FOR EMPLOYERS
Group health benefits tailored to your business — simple setup, year-round support, options that fit your budget.
Smart Health Coverage
for Your Team
Understanding your options helps your team make the most of their coverage.
Group Plans vs. Individual Options
PLAN COMPARISON
| FEATURE | GROUP PLAN | ACA MARKETPLACE | COBRA | PRIVATE PLAN |
|---|---|---|---|---|
| Monthly Cost | LowEmployer shares cost | VariesOnly cheap with subsidy | Very High~$2,100+/month family | CompetitiveOften the lowest overall |
| Network Access | LimitedEmployer picks network | RestrictedHMO/EPO networks | Same networkNo changes allowed | Broad PPOAny doctor, no referrals |
| Enrollment | Annual windowOpen enrollment only | Nov–Jan OEPOr qualifying life event | 60-day windowAfter job loss only | AnytimeNo enrollment window needed |
| Approval | Case by caseDepends on plan & employer | GuaranteedACA-protected, cannot deny | Yes — legal rightAvailable after job loss | Must qualifyUnderwriting required |
| Customization | Employer decidesEmployees get no choice | Standardized tiersBronze/Silver/Gold only | Fixed planNo changes possible | Fully flexibleBuild the plan you need |
| Tax Benefits | Employer deductible+ employee pre-tax | NonePost-tax premiums | NoneFull post-tax cost | Self-employed deduction100% deductible if SE |
COVERAGE STRUCTURES
3 Ways to Cover Your Team
Each structure has different advantages depending on your company size, budget, and workforce.
Traditional Group Plan
Employer selects and contributes to a group plan. Employees pay a smaller share. Best for teams of 5+ wanting uniform coverage.
- ✓ Best tax benefits — fully deductible
- ✓ Guaranteed coverage, no underwriting
- ✗ Employer locked into plan selection
- ✗ Requires 70%+ employee participation
ICHRA — Individual Coverage HRA
Employer reimburses employees tax-free for individual plans they choose themselves. Maximum flexibility, any team size.
- ✓ Works for 1 employee — no minimum
- ✓ Employees choose their own plan
- ✗ May reduce ACA subsidy eligibility
- ✗ Employees manage their own plan
QSEHRA — Small Business HRA
For businesses under 50 employees with no group plan. Reimburse employees up to federal limits — all tax-free.
- ✓ Simple — no minimum contribution
- ✓ 2026: $6,350 individual / $12,800 family
- ✗ Under-50 employee limit only
- ✗ Lower ceiling than ICHRA
Ready to Build Your Team's Benefits Plan?
Free group quote — I handle everything from plan selection to enrollment.