Good benefits are one of the most powerful tools a small business has for hiring and keeping great people, but the cost and complexity stop many owners before they start. We make small business health insurance manageable. As independent agents, we shop the group market for you, design a plan that fits your budget, and handle the details so you can get back to running your company.
Group health options for local employers
- Traditional group plans with shared employer and employee contributions and predictable coverage.
- Level-funded plans that can return savings to your business in low-claim years, often a strong fit for healthier small teams.
- ICHRA arrangements that let you reimburse employees tax-free for individual coverage, giving them choice while you control cost.
- Supplemental and ancillary benefits, dental, vision, life, and disability, to round out a competitive package.
Do small businesses have to offer health insurance?
Businesses with fewer than 50 full-time-equivalent employees are not required to provide health insurance. But offering it can still be one of your smartest investments: it improves retention, attracts stronger candidates, and may qualify you for the Small Business Health Care Tax Credit. We’ll walk you through whether a plan makes financial sense for your specific team.
Why owners work with us
You get a real person who learns your business, presents apples-to-apples comparisons, and stays available year-round for renewals, claims questions, and new hires. We handle the carrier paperwork and the annual review so your benefits never go on autopilot. And because we’re independent, our recommendation is based on what’s best for your team, not on one insurer’s lineup.
Frequently asked questions
How many employees do I need to offer a group plan?
Most carriers allow group coverage starting with as few as one or two enrolled employees. We’ll confirm what you qualify for.
Can I control how much I spend?
Yes. You set your contribution strategy, and options like ICHRA and level funding give you more cost control than a traditional plan.
What does your help cost?
Nothing extra. We’re compensated by the carriers, so our service comes at no added cost to your business.