Imagine running a lean yet efficient small business, where you constantly juggle multiple roles and responsibilities. Now, throw in the daunting task of selecting a health insurance plan for your team. Sounds overwhelming, right? This is where small group benefits come into play, offering a streamlined and cost-effective solution.

Cost Efficiency

One of the biggest advantages of small group benefits is their affordability compared to individual plans. By spreading risk across the team, insurance costs generally decrease. Plus, employers often share in the premium expenses, lowering out-of-pocket costs for employees and making it a win-win situation.

Enhanced Coverage Options

Group plans often provide more attractive benefits than individual plans. From expansive networks to additional perks, these options can be significantly more appealing, offering employees a comprehensive coverage they might not be able to secure individually.

Tax Advantages

For businesses, the Small Business Health Care Tax Credit can be a game-changer, offering up to 50% off premiums, and up to 35% for nonprofits. This tax credit not only makes offering benefits more feasible but also adds a level of financial practicality to the decision-making process.

Employee Satisfaction and Wellness

Beyond the monetary savings, group benefits provide peace of mind, boosting employee morale and well-being. Knowing they are covered can increase retention rates and support overall wellness, which in turn enhances productivity and job satisfaction.

Eligibility Simplicity

Worried about qualifying? Fear not. Even if you're a small business with just two employees, including yourself, you're already eligible. This simplicity opens doors for many small teams, making quality healthcare accessible and easy to implement.

With small-group plans observing increases of around 9.4% in 2025, exploring options like QSEHRA can offer flexibility in coverage and cost management. For instance, in 2025, businesses can reimburse up to $6,350 per year, tax-free, for individual healthcare expenses.

Don’t navigate these waters alone. We're here to assist you in evaluating whether small group benefits align with your business goals. Offering group benefits doesn't have to be complicated or costly. Contact us today for a personalized review of your options. Let us simplify the process and provide guidance tailored to your unique needs.