Get a Free Group Health Insurance Quote
Want to offer health insurance to your team? Fill out the quick form below and a licensed agent will review your business and help you compare available options.
Our help is free, there is no obligation to move forward, and we do not sell your information.
Free quote • No obligation • Licensed help • Your information stays private
We specialize in helping organizations of any size find the best group health insurance solutions available. Please use the form below to receive a FREE quote in seconds from one of our experienced agents. Your information will NEVER be sold to a 3rd party.
What We'll Help You Compare
Small-business health insurance isn't limited to one type of plan. The right approach can depend on your number of employees, budget, employee needs, contribution strategy, and where your team lives.
Traditional Group Health Insurance
Employer-sponsored health insurance where eligible employees enroll in coverage offered by the business.
Small Business Hybrid Options
Depending on availability, hybrid approaches may provide more flexibility by combining business-sponsored benefits with individually evaluated coverage options.
Level-Funded Plans
A funding approach that can combine employer-funded claims, administrative services, and stop-loss protection. Availability and underwriting vary by plan.
ICHRA
An Individual Coverage Health Reimbursement Arrangement can allow an employer to provide tax-advantaged reimbursements for eligible employees who purchase their own individual health coverage.
QSEHRA
Certain qualifying small employers may use a QSEHRA to reimburse employees for eligible individual health insurance premiums and other qualified medical expenses, subject to federal rules.
Dental, Vision, Life & Supplemental Benefits
Depending on what you want to offer your team, we can also discuss dental, vision, life, accident, disability, and other supplemental benefits.
Read our plain-English guide to small business health insurance
What Happens Next?
We Review Your Business
A licensed agent reviews the information you provide, including your business size, location, current coverage, and what you're hoping to offer employees.
We Gather the Details
Depending on the type of coverage, we may ask for additional information such as employee ages, ZIP codes, coverage tiers, or other basic census information.
We Compare Your Options
We'll walk through available approaches, costs, benefits, and tradeoffs so you can decide what makes sense for your business.
Helpful to Have Ready
You don't need to have everything organized before submitting the form, but these details can help us build a more accurate comparison.
- Approximate number of employees you'd like to cover
- Employee ages or dates of birth
- Employee ZIP codes or home locations
- Whether coverage is employee-only or may include dependents
- Approximate amount you'd like the business to contribute
- Your current plan and renewal date, if you already offer coverage
- Any dental, vision, life, or other benefits you'd like to include
Rather Talk It Through First?
If you're not sure what type of group coverage to request, schedule a free consultation first. We can talk through your business, employees, goals, and budget before you gather everything.
Quick Questions
How many employees do I need for group health insurance?
It depends on the type of group plan and your state.
For SHOP coverage, a business generally needs at least one eligible employee other than the owner, a partner, a spouse, or certain family members.
Other small-group carriers may have their own participation, employer-contribution, and eligibility rules, so we'll check the requirements for the options you're considering.
What if it's only me and I don't have any employees?
If you're self-employed with no eligible employees, an individual health insurance plan will usually be the more appropriate place to start rather than a traditional small-group plan.
Learn about self-employed health insurance or get an individual health insurance quote .
Can a small business start health insurance any time of year?
Often, yes. Small businesses generally aren't limited to the same annual Open Enrollment period that applies to individual Marketplace coverage.
SHOP-eligible employers can generally enroll during the year. Specific carrier effective-date, participation, and enrollment requirements can still apply.
How fast can I get group health insurance prices?
That depends on the type of coverage and how much information is needed to produce an accurate quote.
Some options can be priced with a basic employee census, while medically underwritten or more customized plans may require additional information.
Do I have to pay 100% of my employees' premiums?
Not necessarily. Employer contribution requirements vary by the type of plan and insurance company.
We'll help you understand the contribution rules before you decide how much your business wants to pay.
Can employees pay part of the premium?
In many group arrangements, yes. Employers can often contribute part of the cost while employees pay the remaining eligible portion. The exact structure depends on the plan.
Can I offer dental, vision, or life insurance too?
Yes. Depending on availability, we can help you explore dental, vision, life insurance, disability, accident, and other benefits alongside your health coverage.
What is an ICHRA?
An ICHRA is an employer-funded health reimbursement arrangement. Instead of offering one traditional group health plan, an employer can reimburse eligible employees for qualified individual health insurance premiums and certain other eligible medical expenses, subject to federal rules.
What is a QSEHRA?
A QSEHRA is another type of employer-funded reimbursement arrangement designed for certain qualifying small employers.
The employer sets an allowance, subject to federal limits and rules, that employees can use for qualifying health insurance premiums and eligible medical expenses.
Is there a fee for your help?
There is no charge for the consultation or for requesting a quote, and there is no obligation to enroll.
Let's Compare Health Insurance Options for Your Business
Whether you're offering benefits for the first time or comparing a renewal, we'll help you understand the available approaches, costs, and tradeoffs.
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