Health Insurance for Small Business Owners
Offering benefits helps you compete for good people. Figuring out which structure fits a 3-person team versus a 30-person one is the hard part — that's what we're for.
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Group plan, ICHRA, or QSEHRA?
Each shifts cost and choice between you and your employees differently. We model what each one actually looks like for your specific headcount before you commit to any of them.
Competing for talent without blowing up your budget
Benefits matter for hiring and retention, but only if the structure fits what a small team can actually sustain year over year.
Your own coverage is a separate decision
Setting up benefits for a team doesn't automatically solve your own. We handle those as two separate conversations so neither gets rushed.
Who this is for
- Owners deciding whether to offer group coverage for the first time
- Business owners re-shopping a group plan that's gotten too expensive
- Owners who want their own individual coverage while they figure out benefits for the team
- Teams weighing a traditional group plan against ICHRA or QSEHRA
What we compare for you
- Small-group plans vs. ICHRA and QSEHRA, modeled against your actual headcount and budget
- What each structure costs you directly vs. what it costs your employees
- Carrier options sized to a small team rather than an enterprise one
- Your own individual coverage, handled separately from whatever you set up for the team
Plan availability, networks, and eligibility vary by carrier, state, and applicant. We review the actual plan documents with you before you decide.