Small Business Health Insurance
Affordable health coverage for small businesses that qualify for federal subsidies and tax credits.
Why Offer Employee Health Insurance?
Providing health insurance helps you attract and retain quality employees while potentially qualifying for federal tax credits and subsidies that make coverage more affordable.
Key Benefits:
- Attract and retain top talent with competitive benefits
- Qualify for Small Business Health Care Tax Credit (up to 50% of premiums)
- Access federal subsidies through the SHOP Marketplace
- Lower costs through group purchasing power
- Tax-deductible premiums as a business expense
- Healthier, more productive workforce
Do You Qualify for Federal Subsidies?
Many small businesses qualify for significant federal assistance to help offset the cost of providing employee health insurance.
Business Size
Fewer than 25 full-time equivalent employees with average annual wages below $56,000.
Employer Contribution
Pay at least 50% of employee-only premium costs (not including dependents).
SHOP Marketplace
Purchase coverage through the Small Business Health Options Program (SHOP) to qualify for tax credits.
Maximum Tax Credit
Businesses with fewer than 10 employees earning average wages under $28,000 may qualify for up to 50% premium tax credit.
Health Insurance Options
We help you compare plans from top-rated carriers to find the best coverage and value for your business and employees.
SHOP Marketplace Plans
Access federal subsidies and tax credits through the Small Business Health Options Program.
- Qualify for federal tax credits
- Multiple carrier and plan options
- Flexible contribution structures
- Online enrollment and management
Traditional Group Health Plans
Comprehensive coverage from major carriers with customizable benefit designs.
- Wide provider networks
- Predictable monthly costs
- Comprehensive benefits packages
- Wellness program options
Level-Funded Plans
Self-funded alternative with fixed monthly costs and potential refunds for low claims.
- Potential cost savings and refunds
- Fixed monthly budgeting
- Stop-loss protection included
- Transparency in claims data
Association Health Plans
Join with other small businesses to access large group rates and benefits.
- Lower rates through group purchasing
- Broader benefit options
- Administrative support
- Shared risk pools
How We Help Your Business
Business Assessment
Evaluate your business size, payroll, and subsidy eligibility to determine the best options.
Compare Quotes
Review multiple carriers and plan designs, including SHOP marketplace options with tax credit estimates.
Employee Enrollment
Streamlined enrollment process with employee education and decision support tools.
Ongoing Support
Year-round service for claims assistance, employee questions, renewals, and compliance guidance.
Important Considerations
Important: Federal subsidies and tax credits have specific eligibility requirements and filing procedures. We'll help you navigate the process to maximize your benefits.
- Tax credits are claimed on your annual business tax return using IRS Form 8941
- You must maintain minimum employer contribution levels to remain eligible
- Subsidies are available for up to 2 consecutive years through SHOP
- Employee participation requirements vary by state and carrier
- Consider total compensation strategy when designing benefits package
- Stay compliant with ACA reporting requirements and state regulations
Get Your Small Business Quote Today
Find out if your business qualifies for federal subsidies and discover affordable health insurance options for your team. Free consultation with no obligation.
Eligibility for federal subsidies and tax credits depends on specific business criteria including number of employees, average wages, and employer contribution levels. We provide guidance but recommend consulting with a tax professional for tax credit claims. All health insurance plans are subject to carrier underwriting and state regulations.