Health coverage for small businesses

Smarter health coverage for small teams. Affordable. Flexible. Hassle-Free.

Running a business is tough—offering health benefits shouldn’t be. Whether you’re a small business owner, a startup founder, or managing a team, you need a cost-effective way to provide great healthcare benefits without breaking the bank.

Traditional group health insurance can be expensive and restrictive, but there’s a better way. By leveraging innovative programs and creative solutions, you can cut costs, offer more choices, and take the complexity out of employee benefits.

Small employer coverage options

The affordable alternative to group insurance

This alternative solution can be a smarter way for small businesses to provide healthcare benefits. Instead of locking into a one-size-fits-all group plan with skyrocketing premiums, this unique model provides comprehensive coverage at a fraction of the cost.

Lower monthly costs – Often 40-60% less than traditional group plans

No networks – Employees choose their own doctors

No employer mandates – No minimum participation requirements

Catastrophic coverage – Protects against major medical expenses

Support employee health with preventive, direct primary care, and mental health reimbursements

Simple, transparent pricing

👉 Best for: Small businesses that want to provide comprehensive health coverage without the high costs of traditional group insurance.

Game-changers for small businesses

Individual Coverage Health Reimbursement Arrangements (ICHRA) and Qualified Small Employer Health Reimbursement Arrangements (QSEHRA) are employer-funded health benefits that allow businesses of all sizes to reimburse employees, tax-free, for individual health insurance premiums and qualified medical expenses. Instead of offering a one-size-fits-all group plan, you give employees the freedom to choose a plan that fits their needs—while still getting the tax benefits of employer-provided coverage.

No more rate hikes – You set the budget, and costs stay predictable

Total flexibility – Employees choose their own plan

No participation minimums – Offer benefits to one employee or all employees

Tax-free reimbursements – for qualified medical expenses

👉 Best for: Small businesses that want cost control and flexibility while still offering competitive healthcare benefits.

Traditional small group insurance: The right fit for some

For some small businesses, opting for a traditional small group health insurance plan can be the ideal choice. By providing a uniform benefits package, employers can ensure all employees receive the same level of coverage, which can foster a sense of equity within the team. A traditional group health plan may be the best choice—especially if:

You have employees with significant ongoing medical needs

You qualify for small business tax credits

You prefer a traditional PPO or HMO model

If a small group health plan makes sense for your business, I’ll help you compare options and find the best rates.

Why small businesses are switching

Small businesses are increasingly turning to innovative solutions to provide flexible, cost-effective health benefits. These models allow employers to set predictable budgets and eliminate the complexities and rising costs associated with traditional group health plans. Employees benefit from the freedom to choose personalized coverage that best fits their needs, leading to higher satisfaction and retention rates.

Cost savings: Traditional group health plans are increasing at double-digit rates every year—alternative solutions give small businesses a way to lock in lower costs without sacrificing quality.

Employee satisfaction: More options mean happier employees who get to choose the coverage that works best for them.

Simplicity: No more dealing with renewal rate hikes, network restrictions, or participation minimums.

👉 Not sure which option is best for your business? I’ll help you figure it out.

Get a free consultation & quote today

Every business is different, and your health coverage should fit your team’s needs and budget—not force you into an overpriced plan. Let’s explore your options and see how much you could be saving.

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