Find the right benefits for your people — and your mandate.


Organizations dedicated to social good are not always able to compete for talent with the private sector based on salary alone. With a great benefits package, you can demonstrate a commitment to health and wellness that will attract like-minded people to your team.

Whether or not you meet the Affordable Care Act (ACA) threshold of 50 or more full-time-equivalent employees, a robust and comprehensive health and wellness plan reflects well on your mission and values and can help retain your best people.

Your Highstreet agent is part of a team of dedicated benefits specialists who can help you find the competitive policies and packages that fit the unique needs of your organization, large or small.


The demand for better benefits is rising.

It’s more important than ever to find a plan that meets employee expectations but is also affordable.

+40% of nonprofitshave been providing more benefits to their employees as a retention strategy.

National Council of Nonprofits, 2023

81% of nonprofitssaid that cost was one of the most pressing challenges in finding a healthcare plan that fits their needs.

PeopleKeep, 2023

Employee Healthcare Plans
Life and Disability Coverage
Mental health support
Wellness benefits
Voluntary benefits
Additional Employee
Benefits Services

Employee Healthcare Plans

To help your team stay healthy and productive, without worrying about high costs for medical, dental, vision , and other care, including prescription drugs.   

There are several types of health and other plans available to businesses:


(preferred provider organization) plans

These plans have contracts with a network of participating medical providers, such as hospitals and doctors. Under the plan, you and your employees will pay less for services if participants use providers that belong to the plan's network.


(health maintenance organization) plans

An HMO usually limits coverage to care from doctors who work for or contract with the HMO. What makes it different from a PPO is that it generally won't cover out-of-network care except in an emergency. An HMO may also require participants to live or work in its service area to be eligible for coverage.


(health savings account) qualified plans

This is a type of savings account that lets participants set aside untaxed money to pay for qualified medical expenses. HSA-eligible plans may have lower monthly premiums, but deductibles can be higher.


(Health Reimbursement Arrangement)

These plans reimburse employees for approved medical and dental expenses. The employer determines a reimbursement amount up to a yearly limit.

Life and Disability Coverage

Life insurance, short- and long-term disability and dependent coverage can give your team the confidence that they and their families will be covered in a crisis.

Mental health support

With mental health support more top-of-mind than ever, you can offer your team coverage for counseling, therapy and crisis support.

Wellness benefits

Support for healthy living and proactive health, such as:

  • Wellness
  • Wellness
  • Smoking
  • Health
  • Fitness

Voluntary benefits

A voluntary program can enable your employees to get additional coverage that’s tailored to reflect their age, health and lifestyle choices, including:.


  • Dental
  • Vision
  • Prescription drugs
  • Life
  • Disability
  • Accident
  • Critical illness


  • Home insurance
  • Mortgage protection
  • Home security
  • Identity theft
  • Financial planning
  • Legal services
  • and more


  • Childcare
  • Eldercare
  • Adoption assistance
  • Pet insurance
  • and more

Additional Employee Benefits Services

Your local Highstreet agent can also help you find and implement additional services to help you manage your employee benefits plans:

Benefits administration and technology

Benefits administration is a service that helps your not-for-profit organization develop an employee benefits package that supports the needs of your people, and meets your mandate and budget, including simplifying enrolment and minimizing risk.

Employee Benefits Compliance

Regulations are changing constantly. Our compliance experts can help you stay up to date to ensure that your employee benefits follow local, state and federal laws, as well as to avoid costly fines and penalties for unintentional non-compliance.

Professional Employer Organization (PEO)

PEOs provide integrated, outsourced human resource services. Is it time to look into a PEO for your business or organization? Highstreet can help you find out and if needed place your HR with a trusted PEO. If you already have a PEO, your Highstreet agent can also help you evaluate if your current arrangement puts you in the best possible position.

Market review

To ensure your employee health and wellness plan is providing the best coverage for your team, we can review your plan in depth and help you determine when it’s time to “go to market” to find the best policies for your needs.

Frequently asked questions about employee health and wellness plans for nonprofit organizations.

Under the Affordable Care Act (ACA) if your organization had 50 or more full-time-equivalent employees you are required to provide health insurance. If your organization is smaller, there are many reasons to offer an attractive benefits plan including health insurance, and you may also qualify for the ACA’s Small Business Health Care Tax Credit. Talk to your agent about your options.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees who would otherwise lose their coverage the right to choose to continue group health benefits provided by their group health plan for a limited time. COBRA covers situations such as job loss, reduction in the hours, or transition to a new job, as well as death, divorce, and other life events. 

COBRA can require that group health plans sponsored by employers with 20 or more employees offer employees and their families the opportunity for continuation coverage. Your Highstreet agent can help you understand COBRA, and whether it applies to your situation.

The cost of employee health benefits is usually shared by the employer and employee. The cost will depend on the type of benefits you provide, whether you are covering employees only, or including dependents, and the percentage of your employer contribution. 

Your Highstreet agent can help you find an arrangement that works for you, and which complies with any relevant state and federal requirements.

While workers’ compensation rules can vary from state to state, if you have employees your business is probably required by law to have insurance that covers their medical bills, lost wages, and/or legal costs if they are injured at work.    

To find out more about what type of coverage your business requires, visit the Workers Compensation page on this website, or ask your Highstreet agent.