Benefits for medical and chiropractic practices with a small clinical team
A medical office or a chiropractic practice is a small mix of providers, clinical support, and a front desk. The team is tight, and one departure is felt immediately. Benefits are part of how you hire; they still have to be built on a correct employee roster and a correct picture of the practice entity.
Ares Benefit Group works with medical and chiropractic practices of about 2 to 50 employees. This page is for the practice as an employer, not for a patient trying to see whether chiropractic or other care is covered by a personal policy.
How these practices actually staff
- Clinical and administrative people often share one small office. A local group plan can be a clean fit. An ICHRA is still worth comparing when you want a fixed budget, when providers and staff should not share one structure, or when someone works at more than one site.
- Providers may be employees or contractors. Physician assistants, nurse practitioners, associates, and covering providers are classified under IRS rules. Benefits follow that classification.
- Owner-providers. A self-employed owner or that owner's spouse is not the intended ICHRA participant. If the owner is an employee of a professional entity, we will use that fact rather than a title on the door.
- Part-time clinical days. Many practices use part-time assistants or billers. See part-time employee benefits.
- A second office or a hospital-adjacent schedule. Work location is a permitted ICHRA class. Multi-site and multi-state work belongs in the census. See multi-state teams.
Structures we compare for a team this size
For a single-office practice, we usually compare a local group plan with an ICHRA or QSEHRA, then layer disability, life, and Section 125. For a small multi-site practice, location classes and related-entity counting matter more.
- SHOP and other group coverage, when you want one employer-sponsored medical plan and you can meet eligibility and participation rules.
- A level-funded arrangement, when a carrier offers one for your census. We compare it with fully insured group coverage and do not treat either as automatically better.
- An ICHRA, when you want a set contribution and employees choose individual coverage. Permitted classes include full-time, part-time, hourly or salaried, work location, and a waiting period. It is for employees, not for a self-employed owner.
- A QSEHRA, when you are not an applicable large employer and you are not offering a group health plan. See ICHRA vs QSEHRA if both are on the table.
- Section 125 for pre-tax employee premium contributions on a group plan. A QSEHRA cannot be funded by salary reduction.
- Group life and disability and voluntary benefits.
A company under 50 full-time employees, including full-time equivalents, is generally not required by federal law to offer health coverage. If you have fewer than 25 full-time equivalents and you meet the wage, contribution, and SHOP rules, look at the Small Business Health Care Tax Credit.
What to send us
A roster with roles, hours, sites, and how each provider is engaged by the entity.
Ares Benefit Group LLC5701 E Hillsborough Ave
Tampa, FL 33610
(813) 540-1299
admin@aresbenefitgroup.com
Our agents are licensed in all 50 states.
Frequently asked questions
We are a chiropractic office. Is this a different kind of plan?
The federal structures — group coverage, ICHRA, QSEHRA, Section 125 — are the same. The census is what changes: a small clinical team, often with part-time hours. We will not write a plan around a health condition, and this page is not for patients shopping for coverage of chiropractic care.
Can we offer a richer plan to providers than to the front desk?
Only within the rules of the structure you pick. ICHRA classes are defined by status, pay basis, location, waiting period, and similar categories, not by credential alone. We will tell you whether your idea already fits a permitted class.