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 2026 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 $278.33 per month per employee ($3,340 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 $417.50 per month per impacted employee ($5,010 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
Pacific Group Benefits specializes in designing customized benefits solutions that align with both the financial goals of employers and the coverage needs of today’s workforce. We believe benefits should do more than meet requirements—they should drive real value. By combining innovative plan design, ACA-compliant strategies, and strong carrier partnerships, we help businesses control healthcare costs while supporting employee well-being.
Whether you’re a growing company or an established organization, our team is here to guide you every step of the way.
Contact Pacific Group Benefits today to schedule a consultation and discover how smarter benefits can make a measurable impact on your bottom line.
Yours,
PGB Team
About Us
From our Founder at Pacific Group Benefits
OUR PACIFIC GROUP BENEFITS TEAM
Fernando Guevara
Founder | CEO
Mr. Guevara began his career in 2013 and brings over a decade of experience delivering ACA-compliant, cost-effective benefits solutions for employers and brokers.
In 2023, he founded Pacific Group Benefits to break away from large, impersonal agencies and provide personalized employee benefits through innovative plan design, strong carrier partnerships, and service, helping businesses reduce healthcare costs while maintaining ACA compliance and supporting individuals and families with Medicare, Life Insurance, and other financial solutions.
Mark S.
Managing Partner | VP of Sales
Marks's Bio Comming Soon!
Kym Dunham
Managing Partner | VP of Sales and Operations
Kym Dunham is a benefits administration professional with 23 years of experience in voluntary benefits, specializing in employee enrollment, compliance, and system implementation.
Highly proficient in Employee Navigator builds and database management and is certified in ADP & HR database systems.
Known for her precision and efficiency, Kym designs clear, compliant enrollment materials, including bilingual (English/Spanish) documentation, and supports seamless onboarding and open enrollment processes for employers and employees alike.
Alejandra Ramos
Agent
I work with growing businesses across Nevada to design and execute employee benefits and HR solutions that actually deliver results. While strategy matters, I've learned that execution is where the real value lives (and my favorite part): implementation, process optimization, and day-to-day account management are what turn good plans into great outcomes.
Hear What Our Satisfied Clients Have to Say
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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.