Imagine this: you’re running a lean, hands-on small business where every person wears multiple hats—including you. When health insurance comes up, it can feel overwhelming to navigate options on your own. Many owners share that same stress, which is why small group benefits are becoming a go‑to solution for those wanting affordability, simplicity, and real value for their team.
Enhanced Coverage Options
Small group plans often provide broader and more appealing benefits than what employees might find on the individual market. These plans can deliver more comprehensive coverage, which helps support overall wellness and ensures your team feels looked after.
Eligibility Is Straightforward
One of the biggest misconceptions is that group health insurance is only for larger teams. In reality, businesses with as few as two people—including the owner—can qualify. That makes this option accessible to even the smallest operations.
Cost Efficiency for Employers and Employees
Group plans typically cost less than individual coverage because the risk is spread among the team. Employers usually contribute toward premiums, and that shared cost structure helps lower out‑of‑pocket expenses for employees. While 2025 small-group premiums are increasing by about 9.4%, these plans remain one of the more predictable and manageable options for many businesses.
Valuable Tax Advantages
For eligible employers, the Small Business Health Care Tax Credit can cover up to 50% of premium costs—while nonprofits can receive up to 35%. This incentive can make offering group benefits far more affordable than many small business owners expect.
Happier Teams and Stronger Retention
Beyond the financial advantages, offering solid health coverage brings peace of mind to your employees. When people feel cared for, morale rises, turnover drops, and your business becomes a place where people want to stay and grow.
Additional Flexible Options
Some small businesses are exploring alternatives like level‑funded or self‑funded plans to help manage long‑term costs. Others turn to QSEHRA, which allows employers to reimburse employees tax‑free for individual insurance premiums and certain medical expenses—up to $6,350 for individuals or $12,800 for families in 2025. This can be a great fit for teams with varied needs or for businesses that can’t take on a traditional group plan.
If you’re not sure which path is right for you, you don’t have to make the decision alone. Guidance is available to help you compare your options and choose a solution that fits your business and your team. Small group benefits don’t have to be complicated—or expensive—and exploring your choices is the first step.
When you’re ready, reach out for a personalized review of what might work best for your company. You may be surprised by how accessible and impactful the right coverage can be.