Good people are hard to find in the trades — and even harder to keep.
For plumbing, heating, and cooling contractors, employee benefits can be an important part of attracting and retaining skilled employees. But smaller contractors often face a challenge: offering competitive health benefits without taking on unnecessary cost and administrative complexity.
The PHCC Health Plan gives eligible PHCC member contractors access to group medical, dental, and vision coverage through association pricing designed for PHCC members.
The program is available to eligible groups with 2 to 199 employees, giving both smaller contractors and growing businesses an opportunity to explore group benefits options.
Watch the PHCC Health Plan Video
In this short video, Bill Capece of JS Benefits Group, a fellow PHCC member, explains who the PHCC Health Plan is designed for, what it offers, and how contractors can request a quote.
Watch the PHCC Health Plan Video
What Is the PHCC Health Plan?
The PHCC Health Plan is an employee benefits program designed for eligible members of the Plumbing-Heating-Cooling Contractors Association (PHCC).
Eligible contractors can explore group medical, dental, and vision coverage through the program, with plan options based on factors such as location, group size, eligibility, and carrier availability.
For contractors, the goal is simple: provide access to competitive employee benefits while making the process easier to manage.
Who Is the PHCC Health Plan For?
The program is designed for eligible PHCC member contractors and their employees and families.
Eligible groups can range from 2 to 199 employees, making the program relevant to:
- Plumbing contractors
- Heating contractors
- HVAC contractors
- Mechanical contractors
- Plumbing and HVAC service companies
- Growing trade businesses
- Family-owned contracting companies
The program is available to eligible PHCC member organizations in Pennsylvania, New Jersey, New York, Maryland, and Delaware, subject to applicable plan and geographic eligibility requirements.
What Does the PHCC Health Plan Offer?
Depending on eligibility and plan availability, contractors can access:
- Major medical health insurance
- Dental coverage
- Vision coverage
- Multiple plan options
- Access to national insurance carriers
- Employee benefits education
- Enrollment assistance
- Benefits advocacy
- Renewal support
- ACA compliance support
- COBRA compliance support
JS Benefits Group works with multiple national carriers to help employers evaluate available benefits options for their particular workforce.
Why Employee Benefits Matter in the Skilled Trades
Finding qualified employees is one of the biggest challenges facing many contractors.
A plumber, HVAC technician, service technician, project manager, or other skilled employee may have multiple employment opportunities. Compensation matters, but so do the benefits that come with the job.
A strong benefits package can help contractors:
Attract skilled employees
Health insurance and other benefits can make a job offer more competitive when recruiting skilled workers.
Retain experienced employees
Employees who value their benefits may be more likely to stay with an employer that provides a competitive benefits package.
Provide coverage for employees and families
Medical, dental, and vision benefits can provide important coverage for employees and their dependents.
Compete with larger employers
Association-based benefits may give smaller contractors another option when competing with larger companies for skilled workers.
PHCC Health Plan Frequently Asked Questions
Who can participate in the PHCC Health Plan?
The program is designed for eligible PHCC member contractors and organizations, along with their eligible employees and families. Plan and geographic eligibility requirements apply.
How many employees do I need for the PHCC Health Plan?
Eligible groups can have 2 to 199 employees.
This makes the program an option for both very small contractors and larger trade businesses.
Can a plumbing contractor with only two employees get group health insurance?
Eligible PHCC member organizations can participate with groups as small as 2 employees, subject to applicable eligibility requirements.
Can HVAC contractors participate in the PHCC Health Plan?
Yes. The program is designed for eligible PHCC plumbing, heating, and cooling contractors. HVAC contractors that meet the applicable membership and plan requirements can explore available benefits options.
What benefits are available?
The program provides access to medical, dental, and vision coverage, with specific benefits and plan designs depending on eligibility, location, carrier, and plan selection.
Is the PHCC Health Plan only for large contractors?
No. Eligible groups can range from 2 to 199 employees, so smaller contractors can explore the program as well.
Can the PHCC Health Plan help contractors attract and retain employees?
Competitive employee benefits can be an important component of recruiting and retention. Medical, dental, and vision coverage can strengthen a contractor’s overall compensation package.
Does JS Benefits Group help with enrollment?
Yes. JS Benefits Group provides assistance with enrollment, employee education, benefits advocacy, and renewal support.
Does JS Benefits Group provide ACA and COBRA support?
Yes. The firm provides support related to ACA and COBRA compliance as part of its employee benefits services.
How do I get a PHCC Health Plan quote?
PHCC contractors can contact JS Benefits Group to discuss their company, number of employees, current benefits, and goals.
The team can evaluate available options and provide plan information and pricing.
Call: (877) 355-6070
Email: info@jsbenefitsgroup.com
Request a Free Benefits Analysis
PHCC Health Plan for Small Contractors
Small contractors often have fewer resources to devote to benefits administration than large companies.
That makes having an experienced benefits advisor particularly valuable.
Instead of simply looking at the lowest monthly premium, contractors should consider the entire benefits package, including:
- Employer contribution
- Employee contribution
- Deductibles
- Copayments
- Out-of-pocket maximums
- Provider networks
- Prescription drug coverage
- Dental and vision benefits
- Employee participation
- Plan design
- Renewal increases
- Administrative requirements
The right health plan depends on the individual employer. A plan that works well for a 5-person plumbing company may not be the best solution for a 100-person HVAC contractor.
Why Work With JS Benefits Group?
JS Benefits Group is an independent employee benefits and HR consulting firm based in Newtown, Pennsylvania.
Founded in 2012 by Jennifer Schaefer, JS Benefits Group helps employers evaluate health insurance, manage benefits costs, improve employee benefits, and simplify benefits administration.
For PHCC members, the firm can assist with:
- Group health insurance
- Medical, dental, and vision benefits
- Benefits strategy
- Plan design
- Employee education
- Enrollment
- Renewals
- Benefits advocacy
- ACA compliance
- COBRA support
- Cost-management strategies
PHCC Health Plan Key Facts
| Question | Answer |
|---|---|
| Who is it for? | Eligible PHCC member contractors |
| Group size | 2–199 employees |
| Medical coverage? | Yes, subject to eligibility and plan availability |
| Dental coverage? | Yes, subject to eligibility and plan availability |
| Vision coverage? | Yes, subject to eligibility and plan availability |
| Geographic focus | PA, NJ, NY, MD and DE |
| Enrollment support? | Yes |
| Employee education? | Yes |
| ACA support? | Yes |
| COBRA support? | Yes |
| Quote? | Free consultation |
The Bottom Line
For plumbing, heating, and cooling contractors, employee benefits are more than an insurance expense. They can be an important part of recruiting, retention, compensation, and workforce strategy.
The PHCC Health Plan gives eligible PHCC members with 2–199 employees an opportunity to explore association-based medical, dental, and vision benefits.
If your company is experiencing rising health insurance costs, difficulty recruiting skilled employees, or uncertainty about whether your current benefits are competitive, comparing your existing plan with other available options may be worthwhile.
Get a Free PHCC Health Benefits Quote
JS Benefits Group, Inc.
54 Friends Lane, Suite 121
Newtown, PA 18940
Phone: (877) 355-6070
Email: info@jsbenefitsgroup.com
Learn More About the PHCC Health Plan
Request a Free Benefits Analysis
About Bill Capece
William “Bill” Capece, CFP®, SHRM-CP, CCWS™ is Director of Business Development at JS Benefits Group. Bill works with employers and PHCC members to evaluate employee benefits options and develop benefits strategies.
About JS Benefits Group
JS Benefits Group is an independent employee benefits and HR consulting firm founded by Jennifer Schaefer. The company helps employers evaluate group health insurance, control healthcare costs, improve employee benefits, and manage benefits administration.
Related Resources
ACA Employer Penalty Calculator
This article is for general informational purposes only and is not insurance, legal, or tax advice. Eligibility, plan availability, benefits, rates, and pricing vary by group, location, carrier, and plan design.
