Benefits for small teams, without the headache.
You have somewhere between two and twenty-five people, and you assumed group coverage was out of reach. It usually isn’t — and the setup has changed a lot in the last few years.
Three ways to cover a small team
Traditional group plan
You pick the plan, you contribute a share of the premium. Priced per person by age — so a younger team can quote surprisingly low.
ICHRA
You set a fixed monthly amount per employee. They buy their own plan and you reimburse up to that amount. You get budget certainty; they get choice. No renewal shock.
Level-funded
Behaves like a traditional plan but can cost less for a healthier group, and can pay money back if claims come in low.
The best time to look is 90–120 days before renewal
Not three days before, when it’s a scramble. If your renewal is in the next few months, that’s the window where you actually have options.
Most owners ask one question at renewal: how much did it go up? Here are better ones.
Five questions worth asking at renewal
- Does this plan fit the team we have now — not the team we had three years ago?
- Is our team getting coverage they can realistically use, or coverage on paper?
- Are these benefits helping us hire and keep people, or just costing money?
- Are our benefit dollars going where they’d matter most to our people?
- Have we ever compared other funding setups — level-funded, ICHRA, SHOP?
Say how many people you have. You get a realistic number back.
Rates depend on ZIP code and ages, so no webpage can quote you honestly — send how many people you have and a real number comes back.