Flexible coverage options

Choose plans that cover employees only or extend coverage to their families and dependents. You can decide whether to cover premiums in full or share costs with employees.

Cost factors

The cost of coverage depends on your business location, the number of employees and their ages, but is generally more affordable than individual plans.

Affordable Care Act & group insurance

Thanks to the Affordable Care Act, pre-existing conditions are no longer a barrier. Pooling risk in a group plan helps lower premiums for your business and employees.

Employer-paid premiums are tax-deductible, and small businesses may qualify for a tax credit covering up to half the cost of premiums.