Health Coverage for You and Your Team
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.
What are the health coverage options for a small business?
A small business can offer a group health plan, set up a reimbursement arrangement like a QSEHRA or ICHRA that funds employees' own coverage tax-efficiently, or point employees to the individual market. Which fits depends on your team size, budget, and how much administration you want to handle. There is no one-size answer, and the tradeoffs are real. An independent broker can walk the options with you at no cost, and coordinate with your CPA on the tax side.
Benefits that work for small teams
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.
What health insurance can a small business owner get for themselves?
As the owner, your own coverage is usually a separate decision from anything you set up for a team. If it's just you — or you and your family — you're typically looking at an individual or private plan, and how the premium is handled often depends on whether you're a sole proprietor, LLC, or S-corp. Covering employees is a different path — a group plan, or a reimbursement arrangement that funds their own coverage. Plenty of owners do both, starting with their own plan and adding a team option as they grow. I'll help you sort out which applies to you, at no cost, and coordinate with your CPA on the tax side.
How I help
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.
- I'll walk you through group and owner-coverage options side by side, so you can see what actually fits your team.
- You get real benefits, without the enterprise-level cost or complexity that comes with them elsewhere.
- I handle the setup myself, so it stays simple on your end.
- Everything here is built around small and growing teams, not giant ones.
Real benefits, sized for a small team.
Group & Owner Options
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.
Priced for a Small Team
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.
Simple Setup, Handled
I handle the details so you can stay focused on running your business — no HR department required.
Grows With Your Team
One licensed advisor who stays available as you hire, change, or scale — no runaround when things shift.
Quick answers for small businesses.
What are health insurance options for a small business with a few employees?
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.
How does a small business owner set up group health insurance?
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.
How many employees do I need to offer group coverage?
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.
What does small business health insurance cost?
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.
Is there a fee to work with you?
No — my help is free. I'm compensated by the carrier when you enroll, so it doesn't add to your cost.
Can I reimburse employees for their own coverage instead of a group plan?
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.
Am I required to offer my small team health insurance?
Generally no. Businesses under 50 full-time-equivalent employees are not required to offer coverage, so offering it is a choice about recruiting and retention rather than a mandate. If you do want to help, options range from a group plan to a reimbursement arrangement that funds employees' own plans. An independent broker can walk the choices with you, and coordinate with your CPA on the tax side, at no cost.
Can a small business owner write off health insurance premiums?
There can be a tax advantage to how an owner's premiums are handled, and it often depends on your business structure — sole proprietor, LLC, or S-corp. That part is your CPA's call, not mine — I don't give tax advice. What I do is make sure the coverage itself is set up right for you, and I'm glad to coordinate with your accountant so the two line up.
Can I get coverage mid-year, or only during open enrollment?
It depends on the type of plan. Marketplace coverage generally opens during Open Enrollment or after a qualifying life event, but private, medically underwritten plans can often be applied for year-round — approval isn't guaranteed and timing can vary. If you've got a gap now or a change coming, it's worth a quick call so we can look at your options and the timing together.
Just covering yourself or your family?
Self-employed & 1099
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Families & individuals
Buying your own coverage for your household instead of through a job.
Explore family coverage →COBRA & coverage gaps
COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Not sure this is your lane? If group or small-business coverage turns out to be your better path, you're not on your own — I'll connect you to a partner I trust who does exactly that, and I stay in your corner either way. One honest starting point, whatever fits your family. Meet the partners I trust →
Let's set your team up right.
I'll lay out group and owner options in plain English and handle the setup once you decide.