Benefits that fit a small payroll and a real budget
You have between 2 and 50 employees, no HR department, and one shot at getting benefits right. We build plans small employers can actually afford — and keep them competitive every renewal.
Schedule a Consultation
2+
Employees needed to start a group plan
$0
Broker fees — carriers pay us, never you
50 states
Licensed and quoting nationwide
Why small business owners is different
Small businesses compete for the same people as companies ten times their size. The difference is you feel every dollar of a premium increase, and there is no benefits team to absorb the paperwork.
We shop multiple carriers, model what your contribution really costs, and handle enrollment, ID cards, and renewal questions so benefits stop eating your week.
We understand your challenges
- Premium increases that arrive with no explanation
- No HR staff to run enrollment or answer employee questions
- Losing good people to larger employers with benefits
- Confusing compliance rules for groups under 50
- Brokers who disappear after the plan is sold
How we help
- Quotes from multiple carriers instead of one captive option
- Budget-first plan design you control
- Tax-advantaged reimbursement options like QSEHRA and ICHRA
- Enrollment handled for you, start to finish
- A named advisor who answers the phone all year
What we put in place
Multi-carrier small group medical
Side-by-side quotes from several carriers so you see real price and network tradeoffs before you commit.
QSEHRA & ICHRA reimbursement
Set a fixed monthly budget and reimburse employees tax-free for their own coverage — predictable cost, no renewal shock.
Dental, vision, life & disability
Voluntary lines employees can add at group rates, often at little or no cost to the business.
Enrollment and year-round support
We run the enrollment meetings, answer employee questions, and re-shop your plan 60 days before renewal.
Who we help in small business owners
- Owner-operators with their first few W-2 hires
- Family businesses and second-generation shops
- Growing teams of 10–50 employees
- Employers mixing W-2 staff and 1099 contractors
- Businesses offering benefits for the very first time
- Owners unhappy with their current broker or renewal
The coverage starts with you, but it stays with them.
Employees can keep their benefits for as long as they want — even if they move to a new job.
Frequently asked questions
How many employees do I need for a group plan?+
Most carriers issue group medical starting at two W-2 employees. Below that, we build individual or reimbursement-based coverage instead.
How much do I have to contribute?+
Carriers typically require the employer to pay at least 50% of the employee-only premium. You decide whether to go beyond that.
What does it cost to work with you?+
Nothing. We are compensated by the carriers, so our services cost the business no additional fee.
Can I offer benefits to 1099 contractors?+
Not through a group plan, but we can set contractors up with individual coverage and voluntary products at the same time.
What if my renewal just went up 20%?+
Send us the renewal. We re-shop the market, compare networks, and show you what switching or restructuring would actually save.
Get your options for small business owners
Send a few details and we'll follow up — or grab a time on the calendar right now.
Book a free consultation
Pick a time that works — 15 minutes, no obligation