It depends on your size. Under federal law, businesses with fewer than 50 full-time and full-time-equivalent employees are generally not required to offer health insurance. Larger employers at or above that threshold can face penalties if they do not offer coverage that meets certain standards. Most small businesses fall under the threshold and offer benefits by choice, not by mandate.

Even when it is optional, offering benefits is one of the most effective ways to attract and keep good employees. Benefits are part of total compensation, and a solid plan helps a smaller company compete with larger employers for talent. They also support morale, loyalty, and productivity.

We help owners understand where they stand and what makes sense for their goals and budget. Whether you are required to offer coverage or simply want to, we design a package that fits your team without unnecessary complexity.