Group Health Insurance
A traditional group health plan is guaranteed-issue for your eligible employees (no individual health underwriting) and typically offers the strongest employer tax advantages of any structure — the trade-off is the employer picks one plan for the whole team.
Group plans make the most sense once you have enough employees that participation minimums are easy to hit and you want a single, predictable benefits package to offer during hiring.
Why clients choose this option
- Guaranteed coverage regardless of any employee's health history
- Strong, well-understood employer and employee tax advantages
- One plan, one bill, simpler payroll administration
- Competitive for attracting and retaining talent
Frequently Asked Questions
Requirements vary by carrier and state, but most small-group plans require at least 1-2 eligible employees plus a minimum participation percentage.
Yes, group plans typically allow dependent enrollment during initial eligibility and open enrollment.
Group plans give employees one plan choice with guaranteed issue; ICHRA lets employees choose their own individual plan with employer reimbursement. See our Small Business Health Insurance page for the full comparison.