Small Group Coverage
Health Plans for Small Teams
Group plans help you care and compete.
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Big Benefits for Small Businesses
Offering health insurance as a small business owner can feel like a challenge—but with the right support, it’s more achievable than you think. Whether you have two employees or twenty, we help you set up a plan that protects your team, respects your budget, and meets legal requirements (if applicable). Health benefits are a powerful tool to retain talent, boost morale, and stay competitive—without overwhelming your bottom line.
Preventive Care
Includes annual checkups, vaccinations, and screenings for early detection—all usually covered at 100%.
Office Visits
Covers primary care and specialist appointments with predictable copays or coinsurance for employees and their families.
Hospital & Emergency Care
Helps with unexpected costs for ER visits, surgeries, and hospital stays, offering peace of mind.
Prescriptions
Offers access to generic and brand-name medications with tiered pricing and pharmacy networks.
Optional Dental & Vision
Add-on benefits can be bundled easily to offer well-rounded care without major added cost.
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We Simplify Setup and Support
Less paperwork. More peace of mind.
We help you understand whether your business qualifies for group coverage, and what type of plan best matches your company’s size and budget. You’ll get support with enrollments, renewals, employee questions, and compliance—without needing to become a benefits expert yourself. Whether you want to cover all premiums or offer a cost-sharing model, we’ll help you make confident, informed choices. Think of us as your outsourced benefits partner, with none of the red tape.
Group Insurance FAQs
How many employees do I need to offer group insurance?
In most states, you need at least one full-time W-2 employee (other than yourself or a spouse) to qualify for a small group plan. You don’t have to be a big business to provide great benefits. If you’re unsure whether you qualify, we’ll walk you through the specific rules in your state. Once eligible, even a two-person team can get excellent coverage.
Do I have to pay for all employee premiums?
No—you can choose to cover the full cost, split the cost, or cover only a portion. Most employers contribute at least 50% of the employee premium, but you’re free to contribute more if you choose. We’ll help you find a contribution level that works for your budget while still offering value to your team. The flexibility of group plans makes them accessible for many small businesses.
What if I have part-time or seasonal staff?
Eligibility usually applies to full-time employees working at least 30 hours per week. However, some carriers allow optional coverage for part-time or seasonal staff. We’ll help you understand who’s eligible and how to offer benefits fairly and legally. You can also decide whether to offer family or dependent coverage as part of your plan.
Is it worth offering health insurance as a small business?
Yes—health insurance is often the most valued benefit by employees and can help you attract and retain top talent. Offering coverage can also improve workplace satisfaction and reduce turnover. In some cases, you may qualify for tax credits or deductions to offset the cost. We’ll help you calculate the ROI so you can feel confident in your decision.
How hard is it to manage a group plan?
With the right support, it’s easier than you think. We handle most of the setup, employee education, and ongoing service, so you don’t have to deal with confusing paperwork or time-consuming admin. You’ll have a clear process, ongoing help, and peace of mind knowing your team is protected. Our goal is to make group coverage simple, sustainable, and stress-free.
