Employee Benefits Broker in Minnesota
Helping small and mid-sized businesses design, manage, and simplify group health, dental, vision, life, and disability insurance — with hands-on support every step of the way.
✔ Local, responsive advisor (not a call center)
✔ HR & onboarding support included
✔ Benefits technology to simplify everything
✔ Ongoing employee and employer support
EMEX Benefits is a Minnesota-based employee benefits broker helping small and mid-sized businesses design and manage group health, dental, vision, life, and disability insurance programs.
We help solo business owners, to companies in 43 states with 800+ employees.
Large Group
In Minnesota, a large group is considered to be a business with 51 or more employees.
Small Group
In Minnesota, a small group is considered to be a business with 50 or less employees.
Manage it All
Control cost & compliance, while increasing your efficiency & employee appreciation.
Simplify Benefits & HR
Managing benefits can quickly become overwhelming — spreadsheets, forms, emails, and constant questions.
We help you streamline everything with modern tools and real support:
- Digital onboarding for new hires
- Online benefits enrollment
- Centralized employee and benefits management
- Easy employee access to plans and documents
With EmEx Benefits, your benefits process becomes organized, efficient, and easy to manage.
Control costs without sacrificing coverage.
Benefits costs continue to rise — but that doesn’t mean you’re out of options.
We help employers:
- Design plans that balance cost and coverage
- Explore alternative funding strategies
- Model employer and employee contributions
- Compare carriers and negotiate options
Our goal is simple: help you offer competitive benefits while keeping costs under control.
There are many options to weigh when choosing Group Medical Insurance.
You can count on us to walk you through it.
Actual Expenses that will be incurred monthly and annually?
- Premium expenses to both the employer and employee.
- Is there a way to contain the costs?
- How much must an employer pay of the costs?
- Plan document creation costs (Section 125, POP, WRAP SPD, HSA & HRA Modules)?
- Are there any additional expenses to manage or obtain the plans?
- Employee paid voluntary benefits?
What medical insurance strategy is best for your business?
- Traditional Fully-Insured
- Level or Expected Funded health plans
- Self Insured
- Stacking HSA & HRA
- Section 125 - Cafeteria Plans (DCAP - HRA - HSA)
- ICHRA Defined Contribution Plans
- QSEHRA Defined Contribution Pans
What is best for your business & what will your employees appreciate?
- HMO, PPO, Open Access, Managed Care, Indemnity, CDHP, or HDHP
What level of coverage would best be appreciated by your employees while still maintaining the cost your business can incur?
- Deductibles & Co-payments
- Coinsurance Levels
- Plan Benefit Maximums
- Out of Pocket Maximum Costs to Employees/Families
- Integration with Cafeteria Plan
- Health Savings Accounts
We help employers reduce benefit costs through plan design, contribution strategies, and alternative funding options.
What to expect working with EMEX?
1. Discovery & Review
We learn about your business, employees, and current benefits.
2. Strategy & Recommendations
We present options that align with your goals and budget.
3. Implementation
We handle setup, enrollment, and communication.
4. Ongoing Support
We stay involved year-round for questions, changes, and employee needs.
You’re never left figuring things out on your own.
Some of the questions we help businesses answer.
Why businesses choose EMEX Benefits:
✔ Local, responsive support — real people who know your business
✔ HR onboarding and benefits administration support included
✔ Technology (EASE) to simplify everything
✔ Year-round service — not just at renewal
✔ A long-term partner focused on your success
We represent dozens of carriers for medical, dental, vision, life & disability insurance options.
As new carriers come into the market, we adjust our offerings and bring them to you. This list does not represent them all.
Don't see what you are looking for? We are able to get appointed to new carriers quickly and are licensed in multiple states.
We love making a difference for hard working businesses in these industries:
- Construction
- Manufacturing
- Industrial
- Transportation & Trucking
- Healthcare
- Printing
- Hospitality
- Retail
- Agriculture & Food
- Professional Services
Local Expertise
EMEX Benefits is an independent employee benefits broker based in St. Michael, Minnesota, serving businesses throughout:
St. Michael • Albertville • Rogers • Otsego • Buffalo • Monticello • Wright County • Twin Cities and surrounding communities
We understand the local market — and we’re here when you need us.
