Small Group Health Insurance
Affordable, comprehensive health coverage for your team. We help small businesses compare plans from top carriers to find the right fit for your budget and your employees' needs.
Why Offer Group Health Insurance?
Providing health benefits is one of the most effective ways to attract and retain top talent while protecting your business.
Attract & Retain Talent
Health benefits are the #1 most valued employee benefit. Stand out from competitors and reduce costly turnover.
Tax Advantages
Employer premium contributions are tax-deductible. Small businesses may qualify for tax credits covering up to 50% of costs.
Boost Productivity
Healthy employees are more productive, take fewer sick days, and are more engaged in their work.
Group Rates Save Money
Group plans typically cost less per person than individual plans, with risk spread across all employees.
Employee Wellness
Many plans include preventive care, wellness programs, and mental health services at no extra cost.
Flexible Contribution
Choose how much your business contributes — from minimum requirements to full premium coverage.
Plan Options for Your Business
Choose from a range of plan types and coverage levels to match your business needs and budget.
average coverage
Lowest premiums with higher out-of-pocket costs. Ideal for younger, healthier workforces.
- Lowest monthly premiums
- Higher deductibles
- Good for HSA pairing
- Preventive care covered
average coverage
Balanced premiums and out-of-pocket costs. The most popular choice for small businesses.
- Moderate premiums
- Moderate deductibles
- Cost-sharing reductions
- Most popular tier
average coverage
Higher premiums but lower costs when you need care. Great for employees who use healthcare regularly.
- Higher premiums
- Lower deductibles
- Lower copays
- More predictable costs
average coverage
Highest premiums with the lowest out-of-pocket costs. Maximum coverage for comprehensive care.
- Highest premiums
- Lowest deductibles
- Minimal copays
- Maximum coverage
How to Get Started
Getting group coverage for your team is simple. Jay guide you through every step.
Share Your Info
Tell us about your business — number of employees, location, and current coverage situation.
Get Custom Quotes
We compare plans from multiple carriers and present options tailored to your budget and needs.
Choose Your Plan
Select the plan(s) you want to offer. We help you understand every detail before you decide.
Enroll Your Team
We handle the paperwork and help your employees enroll. Coverage can start in as little as 2 weeks.
What's Covered
All small group plans are required to cover the 10 Essential Health Benefits under the ACA.
Essential Health Benefits
- Ambulatory patient services (outpatient care)
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health & substance use disorder services
- Prescription drugs
Also Included
- Rehabilitative & habilitative services
- Laboratory services
- Preventive & wellness services
- Pediatric services (dental & vision)
- No annual or lifetime coverage limits
- Pre-existing conditions covered
Benefits for Everyone
Group health insurance creates value for both employers and employees.
For Employers
- Tax-deductible premium contributions
- Reduced employee turnover costs
- Competitive advantage in hiring
- Healthier, more productive workforce
- Potential Small Business Tax Credit
- Simplified administration with our support
For Employees
- Lower premiums than individual plans
- Pre-tax payroll deductions
- Coverage for dependents & families
- No medical underwriting required
- Comprehensive preventive care
- Access to large provider networks
Eligibility Requirements
Business Size
1 to 50 full-time equivalent employees (some states allow up to 100)
Employee Participation
Typically 70% of eligible employees must enroll (varies by state and carrier)
Work Hours
Employees working 30+ hours per week are generally eligible for coverage
Business Type
Sole proprietors, LLCs, partnerships, S-corps, C-corps, and nonprofits all qualify
Employer Contribution
Most states require employers to contribute at least 50% of employee-only premiums
Documentation
Business tax ID, employee census (names, DOBs, zip codes), and prior coverage info
Frequently Asked Questions
Ready to Cover Your Team?
Get a free, no-obligation quote for your small business. Jay will compare plans from top carriers and help you find the best coverage for your budget.