The way insurance works with a PEO depends on the provider you’re working with and the services you select. Some PEO providers just work with a single insurance company, but many of the best PEO providers work with multiple insurance companies for health, vision, dental, and unemployment insurance.  Some insurance companies only offer benefits to organizations with a certain number of employees. But by working with a PEO, smaller organizations can offer insurance to their employees that would normally be inaccessible—providing better coverage at lower rates.