Getting Started
Small Group Health Insurance
Small group health insurance helps businesses provide valuable healthcare benefits to their employees. Offering health coverage can improve employee satisfaction, attract talented workers, and create a stronger, healthier workplace.
What
What is Small Group Health Insurance?
Small group health insurance is a type of coverage designed for businesses with a limited number of employees. These plans allow employers to offer healthcare benefits to their staff and, in many cases, their employees’ families.
Unlike individual health insurance, group plans typically allow employers to share the cost of premiums with employees, making coverage more affordable for everyone.
Businesses with fewer than 50 full-time employees often qualify for small group plans depending on state guidelines and employer eligibility requirements.
Coverage
Coverage Options
Small group health plans often include coverage for a wide range of healthcare services, including:
Doctor visits
Preventive care
Hospital services
Prescription medications
Emergency care
Specialist visits
Mental health services
Plans may also allow employees to add spouses and dependent children to their coverage.
Plans
Types of Small Group Health Plans
PPO Plans
Preferred Provider Organization plans offer flexibility, allowing employees to see both in-network and out-of-network providers.
HMO Plans
Health Maintenance Organization plans generally have lower premiums but require members to use a network of healthcare providers.
High-Deductible Health Plans (HDHP)
These plans typically have lower monthly premiums and can be paired with Health Savings Accounts (HSAs) for tax advantages.
Benefits
Benefits for Employers
Offering small group health insurance can help businesses:
- Attract and retain quality employees
- Improve workplace productivity
- Provide valuable employee benefits
- Potentially receive tax advantages
- Strengthen employee loyalty and satisfaction
Benefits
Benefits for Employees
Employees benefit from:
- Access to healthcare coverage
- Lower premiums than many individual plans
- Employer contributions toward coverage
- Coverage options for family members
Support
Support for Small Business Owners
Our team works directly with small business owners to help manage every step of the process, including:
Plan selection
Carrier comparison
Employee enrollment
Ongoing benefits support
We help simplify the process so you can focus on running your business while providing valuable benefits to your employees.