Imagine running a small business where every team member wears multiple hats—including you. Between managing operations, serving customers, and keeping the lights on, figuring out health insurance can feel like one task too many. It’s overwhelming to compare plans, balance costs, and make sure your team is supported. That’s where small group benefits can make a meaningful difference by offering a streamlined, affordable way to take care of the people who help your business thrive.
One reason small group benefits stand out is their cost efficiency. Because risk is shared across your team, group plans often cost less than individual coverage, and employer contributions help reduce what employees pay out of pocket. Even with 2025 premium increases averaging around 9.4%, many businesses still find group plans more affordable than going it alone.
Broader Benefits Employees Appreciate
Small group plans often include coverage options that are more comprehensive than what individuals can secure on their own. Better benefits mean more support for your employees—and more confidence that they can access the care they need.
Tax Advantages That Make a Difference
Eligible small businesses may qualify for the Small Business Health Care Tax Credit, which can cover up to 50% of premium costs for employers and up to 35% for nonprofits. For many teams, this makes offering benefits far more feasible than expected.
Happier Teams and Better Retention
Providing dependable health coverage goes beyond dollars and deductions. It creates peace of mind. When your team feels cared for, morale improves, turnover decreases, and your workplace becomes a healthier environment overall.
Simple Eligibility Requirements
Even very small teams can participate. In fact, businesses with just two employees—including the owner—may qualify for small group coverage. This opens the door for many businesses that assumed they were too small to offer traditional benefits.
If a full group plan isn’t the right fit, options like QSEHRA offer meaningful flexibility. In 2025, employers can reimburse up to $6,350 per year for individuals and $12,800 for families—tax-free. Employees get to choose the coverage that fits their needs, while employers maintain control over contributions. With individual-market premiums continuing to shift and more businesses exploring level-funded or self-funded models, these alternatives can help manage long-term costs without sacrificing support for your team.
If you’ve ever felt overwhelmed by benefit options, you’re not alone—and you don’t have to navigate the process by yourself. Small group benefits may be a practical and affordable solution for your business, and guidance is available to help you compare plans and assess what makes sense for your team.
Explore your options, ask questions, and take the next step toward protecting your employees and your business. A personalized review can help you find the right path forward—without unnecessary complexity or expense.