Group Health Insurance Broker in Tulsa, OKGroup health insurance.
Your renewal letter is not your only offer.
Group health coverage for small and midsize employers. Spirit Insurance Group serves businesses in Tulsa and Northeast Oklahoma.
Office: (918) 236-4470 · Phone or in-person appointments
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Customer Reviews
See what Tulsa families and employers say about working with our salaried, non-commissioned team.
“I first worked with Spirit FCI last year to set up a Realtor Group Health Plan for my wife’s LLC. Erin Blevins gave detailed help in navigating this process.”
Mike R.“Very quick to respond to my inquiries and go above and beyond to ensure all my questions are answered. I have been using their services for several years.”
Karen C.“Insurance can be overwhelming and somewhat stressful at times, and they make it so easy and are extremely helpful.”
Lindsey C.Your renewal offer
isn’t your only offer.
“The first thing to know is that your renewal offer is not your final and only offer. There's other offers out there that can be had.”
David Harder · Spirit Insurance Group
“We have software that we pay a lot of money for so that we can put side-by-side quotes from all the different carriers and show you different plans with each one and what the cost is on those.”
David Harder · Spirit Insurance Group
You don’t have to come to the office — the team can come to you and walk through side-by-side quotes.
Got a 20%+ increase in the mail?
“The first thing we need to understand is that's not the only carrier in the state of Oklahoma. So we wanna look at your options, but we also wanna find a balance.”
David Harder · Spirit Insurance Group
“We wanna make it fair when we look at employer contributions versus employee contributions and what they pay. So we wanna look at what's available, but we also wanna look at maybe you go from paying eighty percent to paying seventy percent on an employee's premium. It's a good savings for the employer, but it's still fair. It keeps your employees where they're at. Keeps you from losing employees just because of health insurance.”
David Harder · Spirit Insurance Group
Adjusting the employer/employee contribution split is one lever — the right mix depends on your team, budget and retention goals.
When should you start your renewal?
“For small business owners, 60 days is a key number right there because you want to be able to give your employees plenty of time to look at the plans and the difference.”
David Harder · Spirit Insurance Group
“Middle market and large groups, it's a compliance issue, so the earlier the better. These days, the carriers are releasing the renewal rates earlier than they used to. That's a big help. But just as soon as you can, definitely.”
David Harder · Spirit Insurance Group
60 days out is the small-business benchmark; middle-market and large groups should start earlier given compliance requirements.
Which carriers do you work with?
“If it's group health insurance, it would be Blue Cross and CommunityCare. They're both awesome — we get zero complaints from either one of them.”
David Harder · Spirit Insurance Group
This is David’s own answer, from a recorded planning call on September 5, 2026 — audio only, not the on-camera clip shown elsewhere on this page. On camera he summarized the same point more briefly as “all the different carriers.”
What happens next?
Call the office
(918) 236-4470.
Ask for the Group Benefits team.
Send your renewal
Bring or send the renewal letter you already received.
Compare options
Get side-by-side quotes across carriers before you sign anything.
Meet your local team.
David Harder
President
Founder of Spirit Insurance Group, established June 2010.
License #13586320 · supplied by David
Meet David →Courtney Flores
Group Benefits Coordinator
Your point of contact for employer group coverage questions.
“We don't want someone being placed in a policy based on the commission and how it pays.”
David Harder · Spirit Insurance Group
Staff are salaried rather than paid individual commissions. This does not mean the agency receives no compensation from insurance carriers.
Hear from clients, too.
Read what clients say about us on Google.
When should we start our group renewal?
60 days out is the benchmark for small business owners — it gives employees time to actually look at the plans and the differences. Middle-market and large groups should start earlier; carriers are releasing renewal rates earlier than they used to, which helps.
Source: David Harder, Spirit Insurance Group
Which carriers do you work with for group health?
For group health insurance, that's Blue Cross and CommunityCare — David's team reports zero complaints from either. Side-by-side quotes across carriers are part of every renewal review.
Source: David Harder, Spirit Insurance Group
We got a 20%+ increase in the mail — what now?
The first thing to understand: that renewal is not your only offer, and your current carrier isn't the only carrier in Oklahoma. The team looks at your options and works to find the right balance between price and coverage before you sign anything.
Source: David Harder, Spirit Insurance Group
We’re a really small business — can you even help us?
Yes — group coverage isn’t limited to big employers. The office works with employers of five people, two people, sometimes smaller. Unlike individual or Medicare enrollment, a new group can set up coverage any time — there’s no open-enrollment window to wait for. Qualifying small groups may also get help through Insure Oklahoma, which can drop the employer’s share of the premium well below the standard minimum.
Source: David Harder, Spirit Insurance Group
Proudly Working With
Real estate agent? Ask about Realtor® Group Health.
Independent agents can look at a group option built for Realtors®. See how Realtor® Group Health works →
Start with a conversation.
Courtney Flores · Group Benefits Coordinator
David Harder · President
Spirit Insurance Group
7712 S Yale Avenue, Suite 250
Tulsa, OK 74136
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Hours: Mon–Fri 8:30am–5:00pm · Sat–Sun closed
Phone or in-person appointments.
Serving Northeast Oklahoma
We help clients by phone or in person across Broken Arrow, Owasso, Jenks, Sand Springs, Sapulpa, Glenpool, Claremore, Coweta, Bartlesville, Muskogee, Grove, Vinita, Miami.
