Health Benefits for Your Small Business
Offering health insurance is one of the most effective ways to attract and keep great employees. As an independent broker, I help small business owners with 50 or fewer employees find group health plans that work for their team and their budget—without the confusion of navigating it alone.
Who Qualifies for Small Group Coverage?
- Businesses with 1 to 50 full-time equivalent employees
- Sole proprietors and self-employed individuals with at least one W-2 employee
- Nonprofits and associations meeting group size requirements
What I Help Employers With
- Plan Selection: Comparing medical, dental, and vision packages across multiple carriers to find the best fit
- Cost Analysis: Breaking down employer vs. employee contribution options so you can budget with confidence
- SHOP Marketplace: Navigating the Small Business Health Options Program and identifying potential tax credits
- Employee Education: Helping your team understand their benefits and enrollment options
- Renewals & Ongoing Support: Annual plan reviews, open enrollment support, and mid-year changes
Small Business Tax Credits
If you have fewer than 25 full-time equivalent employees with average wages below a certain threshold, you may qualify for the Small Business Health Care Tax Credit through the SHOP Marketplace. This credit can cover up to 50% of your premium contributions. I'll help you determine if you're eligible and guide you through the process.
Why Work with a Broker for Group Coverage?
- No Extra Cost: My services are free to you—carriers pay broker commissions, so you get expert guidance at no additional expense
- Multiple Carrier Options: I'm not tied to one insurance company, so I shop across carriers to find the best rates and coverage
- Year-Round Support: From enrollment to claims questions, I'm your advocate all year—not just during open enrollment
- Compliance Guidance: I help you stay on top of ACA requirements and reporting obligations
Plan Types Available
- HMO Plans: Lower premiums with network-based care
- PPO Plans: More flexibility to see out-of-network providers
- High-Deductible Plans (HDHPs): Lower premiums with Health Savings Account (HSA) eligibility
- Bundled Packages: Medical, dental, and vision combined for comprehensive employee benefits
Get a Free Group Plan Quote
- Free Consultation: We discuss your business size, budget, and what your employees need
- Plan Comparison: I shop multiple carriers and present your best options side by side
- Enrollment Support: I handle the paperwork and help your team through the enrollment process
- Ongoing Service: I'm here year-round for renewals, changes, and any questions that come up