Benefits designed around how your kind of business actually staffs

We start with who is on the payroll, how hours actually work, and where people work. Then we compare a group plan — including SHOP and, where it is available, a level-funded arrangement — with a defined-contribution design such as an ICHRA or a QSEHRA. Section 125 payroll deduction, group life and disability, and voluntary benefits can sit in the same conversation.

This hub is for employers. It is not a place for a person to shop for their own individual policy.

Industries we write for

Building and field trades

• Contractors and construction
• HVAC, plumbing, and electrical
• Landscaping
• Roofing

Transportation, shops, and storefronts

• Trucking and logistics
• Auto repair and dealerships
• Restaurants and hospitality
• Retail
• Cleaning and janitorial
• Salons and spas

Property and professional firms

• Real estate and property management
• Dental practices
• Medical and chiropractic practices
• Law firms
• Accounting and professional services
• Tech startups
• Manufacturing

Organizations and workforce firms

• Nonprofits
• Churches and ministries
• Staffing agencies

If your industry is not listed, the same process still applies. Send a roster and we will treat it as its own case.

What every small employer should have in view

• There is no federal rule that a company under 50 full-time employees, including full-time equivalents, must offer health coverage. The applicable large employer test is the one we run when you are approaching that line. See whether small employers have to offer health insurance.
• A QSEHRA is only for employers that are not applicable large employers and that do not offer a group health plan. Annual contribution caps are set by the IRS. See QSEHRA.
• An ICHRA can be used by an employer of any size, including a company in this 2-to-50 range, and can be offered by class of employee — for example full-time, part-time, hourly, salaried, location, or waiting period — under the federal class rules. It is for employees, not for a self-employed owner. See ICHRA.
• SHOP and other small-group coverage can be a fit when you want one employer-sponsored plan and you can meet eligibility and participation rules. See SHOP.
• The Small Business Health Care Tax Credit is a separate test: generally fewer than 25 full-time equivalents, average wages below an IRS inflation-adjusted limit, a qualifying arrangement that pays at least 50% of employee-only premiums, and (with limited exceptions) coverage offered through SHOP. See the tax credit page.

How to start

Tell us the type of business, a current employee list, hours, and the states where people work. You do not need a polished census file to begin.

Tell us about your team

Our agents are licensed in all 50 states.