An Approachable Guide to Small Group Benefits

Picture this: You’re running a small business with a lean, hardworking team. Everyone wears multiple hats, and while you want to offer great health benefits, finding the right option can feel overwhelming. Navigating rising costs, endless plan choices, and eligibility rules on your own isn’t easy — and that’s exactly why small group benefits can be such a game changer. They offer a streamlined, supportive path to affordable coverage.

Cost Efficiency for Growing Teams

One of the biggest advantages of small group plans is cost. Group coverage typically costs less than individual plans because risk is shared across the team. Employers often contribute toward monthly premiums too, helping reduce employees’ out-of-pocket expenses. Even with 2025 premium increases averaging around 9.4%, group plans remain one of the most cost-effective paths to quality health benefits.

Simplified Eligibility

You don’t need a large staff to qualify. In fact, businesses with as few as two employees — even counting the owner — can be eligible. That simplicity makes group benefits accessible for teams of many shapes and sizes.

Stronger, More Flexible Coverage

Small group plans often offer richer or more customizable benefits than what employees can find on their own. Many small businesses are also exploring level-funded and self-funded options, which provide more long-term control and may help offset cost uncertainty in future years.

Meaningful Tax Advantages

For eligible employers, the Small Business Health Care Tax Credit can cover up to 50% of premium costs. Nonprofits can receive up to 35%. These credits can significantly reduce the financial burden and make offering health benefits far more attainable.

Supporting Wellness and Retention

Health insurance isn’t just a financial benefit — it’s peace of mind. When employees feel secure in their coverage, morale rises, stress decreases, and long-term retention improves. A dependable benefits program can be a key part of building a positive, supportive workplace culture.

If you’ve been wondering whether small group benefits might be the right fit for your team, now is a great time to explore your options. You don’t have to make the decision alone — guidance is available to help compare plans, understand costs, and find a solution that fits your goals and your budget.

Offering health benefits doesn’t have to be complicated or costly. Reach out for a personalized review and discover how simple and impactful the right plan can be for your business.