Small Group Health Options
Plain-English explanations of the main approaches a 5–50 employee business may explore. No rates are shown, because rates must be verified with carriers.
Typical group profile
Stable groups, typically 5–50 W-2 employees
Funding concept
Fully insured premium paid to carrier
Participation considerations
Carrier participation & contribution rules typically apply
Administration
Carrier billing, broker-supported administration
Potential advantages
Predictable premium, familiar structure, broad networks
Question to ask
What are the participation and contribution requirements?
Carrier and plan availability varies by state, group size and effective date and must be verified. Where a live carrier or quoting connection is not available, GSS shows “Carrier verification required” rather than estimated pricing.
Build your protection layer
Life
- • Term Life
- • Whole Life
- • IUL
- • Final Expense
- • Key Person
- • Buy/Sell
- • Business Continuation
Health Supplements
- • Critical Illness
- • Accident
- • Hospital Indemnity
- • Fixed Indemnity
- • Cancer
- • Chronic Illness
Income Protection
- • Short-Term Disability
- • Long-Term Disability
- • Income Protection
Employee Benefits
- • Dental
- • Vision
- • Wellness
- • Telehealth (where available)
- • Employee Assistance Programs
- • Voluntary Benefits
Business Protection
- • Key Person
- • Buy/Sell
- • Business Continuation
- • Executive Benefits
Cost Containment Center
Where could your benefits strategy be investigated? Plan design, contribution structure, employee participation, alternative funding, supplemental benefits, wellness, administration, carrier comparison and renewal timing.
Run the SimulatorBusiness Tax & Benefits Education
Employer-paid benefits, potentially deductible business expenses, owner considerations, benefit coordination, business structure considerations and documentation.
Educational information only. Tax treatment depends on your circumstances. Consult your CPA, EA or tax attorney.