Small business coverage
A shop, a salon, a crew of three. Coverage is often the reason good people stay, and there’s more than one way to pay for it. A traditional group plan is only one of them.
Is this you?
If any of these sound familiar, this is worth a conversation.
- You have at least one employee besides yourself
- You want to offer benefits without a payroll shock
- You’re losing people to employers who offer coverage
- You have fewer than fifty full-time staff, so the law doesn’t require you to offer anything
What it covers
What you can expect from this kind of plan.
- Small group plans through the SHOP marketplace
- The federal small business tax credit, if you meet the rules
- QSEHRA and ICHRA, which reimburse individual plans tax-free
- A clear per-paycheck cost for you and for each employee
The honest version
The right structure depends on how many people you have, how much you want to contribute, and whether you’d rather pick the plan or let your team pick their own. I price all three before you commit to any of them.
Find out where you actually stand
Fifteen minutes on the phone. I check what you qualify for, price the options side by side, and you decide with the numbers in front of you. Nothing to sign, and the quote is free.
Tell me what matters
Who needs covering, which doctors you want to keep, what prescriptions you take, and what you can comfortably pay each month.
Understand your options
Plans side by side: total cost, networks, benefits, limits, and the actual plan documents. The premium is only one number of several.
Choose what fits
You move forward only once the tradeoffs make sense to you. Then I handle the paperwork and stay reachable all year.
I stay on it
ID card problems, a denied claim, a baby, a move, renewal season. You call the same person who set your plan up.
Let’s clarify your options together
Bring your doctors, your prescriptions and a rough sense of next year’s income. Leave knowing exactly what you qualify for and what it’ll cost you.