Taking care of your people matters to you — but you're running this without an HR department or a big-company budget, and you shouldn't have to pretend otherwise. I help owners and small teams find coverage that actually fits: real benefits, without the paperwork or price tag built for a much bigger business.
Whether you're covering just yourself as the owner or a handful of employees, I'll walk through private group and individual options and help you understand what makes sense for your size, budget, and goals. It's work I genuinely enjoy, because I've seen too many small business owners either skip coverage altogether or end up overpaying for a plan sized for a company ten times theirs.
If it's really just you right now — no employees yet — your own coverage works differently than a group plan, and how the premium is handled depends on whether you're an LLC, S-corp, or sole proprietor. The health insurance guide for LLC & S-corp owners walks through the owner's individual coverage structure by structure.
You don't need an enterprise benefits package — you need the right coverage for the team you actually have, set up without a mountain of paperwork. That's the gap I fill for small business owners.
I keep it simple: explain your options clearly, handle the setup, and stay available as your team grows or changes. One licensed advisor, no runaround.
Whether it's just you as the owner or a handful of employees, I'll walk through the private group and individual options that fit.
Real coverage that helps you take care of your people, sized and priced for the team you actually have — not the one a big company built its plan for.
I handle the details so you can stay focused on running your business — no HR department required.
One licensed advisor who stays available as you hire, change, or scale — no runaround when things shift.
You have more options than most owners realize — from a true small-group plan to helping your team get individual coverage. I'll lay out what makes sense for your size, budget, and goals, without the enterprise-level cost.
I handle it end to end: comparing carriers, sizing the plan to your team and budget, and walking you and your employees through enrollment. You don't need an HR department — that's my job.
Often as few as one or two, though the rules vary by state. If a formal group plan isn't the right fit, I'll show you other ways to cover yourself and your team.
It depends on your team's size, ages, and the level of coverage — there's no single number. I'll get you real quotes to compare instead of guesses, at no cost to you.
No — my help is free. I'm compensated by the carrier when you enroll, so it doesn't add to your cost.
Often, yes. Arrangements like a QSEHRA or an ICHRA let a small employer reimburse employees on a tax-advantaged basis for coverage they buy themselves, instead of sponsoring a single group plan — which can be simpler for a small or spread-out team. The rules and contribution limits matter, so it's worth mapping to your headcount and budget before you decide. I'll explain how it compares to a traditional group plan for your business.
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Buying your own coverage for your household instead of through a job.
Explore family coverage →COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →I'll lay out group and owner options in plain English and handle the setup once you decide.