Providing Everyday Benefits
for the Everyday Worker
When it comes to Medicare, you have choices—and understanding those options is key to getting the right coverage. Whether you're turning 65 and new to Medicare or have been enrolled for years, we are here to guide you.
There are four basic parts of Medicare: A, B, C, and D. Each part helps pay for specific health care services and comes with its own costs. Your total Medicare expenses will depend on the coverage you select and the services you use.
We’ll help you navigate these complexities, compare plans, and find the solution that fits your healthcare needs and budget, so you can make informed decisions with confidence.
Medicare
Your Partner In Group Benefits
At Pacific Group Benefits, we partner with brokers and help businesses provide affordable, ACA-compliant employee benefits that help attract and retain quality talent in a competitive market.
We specialize in tailored solutions designed for hourly, part-time, and high-turnover workforces, balancing cost-effectiveness with compliance and quality.
In addition to serving businesses, we work directly with individuals and families, offering Medicare, Life insurance, Disability coverage, Health Insurance, and other services that protect what matters most.
Whether you're an individual turning 65 and looking for Medicare, a Broker expanding your offerings, or a Business Owner seeking reliable, budget-friendly benefits, we provide expert guidance, innovative tools, and personalized support every step of the way.
Pacific Group Benefits is committed to delivering solutions that protect people, support families, and strengthen businesses for long-term success.
Employer Group Benefits
We understand how important it is to provide dependable and affordable group health insurance for your employees. A healthy workforce is vital to your company’s success, which is why we offer insurance solutions tailored to fit your unique needs and budget. Whether it be group Health Insurance, MEC & MVP, Section-125, Voluntary Worksite Benefits, or Community Cost Sharing Plans.
Working alongside our trusted partners, we become an extension of your team, delivering flexible plan designs that support your employees and align with your business goals. Our services are built to meet the needs of small and mid-sized employers.
Individuals & Famlies
At Pacific Group Benefits, we provide personalized health and financial insurance solutions for individuals and families. Every situation is different, and we take the time to understand your specific needs.
Our team works closely with you to design a plan that aligns with your lifestyle, budget, and long-term goals. We’re here to make the entire process straightforward, supportive, and stress-free.
Whether you're looking for Health coverage, Life Insurance, Disability protection, or plans for Accidents and Critical Illness, we’re ready to help you protect what matters most.
The Affordable Care Act
As an Applicable Large Employer (ALE), compliance with the Affordable Care Act (ACA) is essential, including the provision of minimum essential coverage to your employees. Failure to comply can result in significant penalties, which can be avoided by adhering to the required standards. We offer guidance to help you navigate ACA complexities and ensure your business remains compliant.
ACA Penalty A & B 2025 Update:
4980H(a) Penalty: If an applicable large employer (ALE) does not offer Minimum Essential Coverage (MEC) to at least 95% of full-time/full-time equivalent employees and their dependents, the penalty is $241.67 per month per employee ($2,900 annually), minus the first 30 employees.
4980H(b) Penalty: If an employer does offer coverage, but it is not affordable or does not provide minimum value, and at least one employee receives a Premium Tax Credit (PTC) through the Exchange, the penalty is $362.50 per month per impacted employee ($4,350 annually)
Watch the videos below to learn
How to avoid IRS penalties and discover potential savings by offering our Essential Medical MEC solutions
Hot to Avoid ACA Penalty "A"
Hot to Avoid ACA Penalty "B"
Our Strategic Partners
Fernando Guevara began his career at MassMutual in 2013 and has since developed a strong expertise in ACA-compliant solutions for employers and brokers.
Originally from the South Bay of Los Angeles, Fernando moved to Las Vegas in 2005, where he now lives with his wife and two daughters. In 2023, he founded Pacific Group Benefits to provide personalized, cost-effective benefit solutions backed by strategic partnerships and exceptional service.
Fernando had one goal in mind: to build an agency of trusted professionals who deliver innovative, cost-effective employee benefits solutions to businesses of all sizes, and help individuals and families with Medicare, Life Insurance, and other health and financial services.
With a focus on creative plan design, Fernando and his team help employers reduce healthcare expenses while maintaining Affordable Care Act (ACA) compliance. By leveraging strong relationships with leading insurance carriers and strategic partners, Pacific Group Benefits offers tailored benefits packages that meet both the financial and coverage needs of today’s workforce.
Fernando believes in going beyond the traditional approach—providing not just benefits, but real solutions that make a measurable impact on a company’s bottom line.
Pacific Group Benefits is here to support you! Contact us today to make an appointment..
Yours,
PGB Team
Meet Fernando Guevara
Founder, Pacific Group Benefits
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Let's connect & get started
We appreciate your interest in our services. At Pacific Group Benefits, we offer a variety of employer benefit solutions tailored to help businesses and individuals achieve their strategic and financial goals.
To schedule a consultation, please complete the contact form and include a brief note about the services you’re seeking. A member of our team will reach out shortly to arrange a convenient time to connect.
We look forward to the opportunity to work with you.