In most states you can start a small group health plan with as few as a handful of employees, and many carriers work with groups of five or more. Exact minimums vary by state and carrier, and the rules count full-time and full-time-equivalent employees rather than simply headcount.
Carriers also typically look at participation and contribution. Participation means a minimum share of eligible employees must enroll, and contribution means the employer usually needs to pay a minimum percentage of the premium. These requirements keep the plan viable and are very manageable with a little planning.
Because the details differ by state and carrier, we confirm what you qualify for and handle the requirements for you. If a traditional group plan is not the right fit yet, we can discuss alternatives that still help your team get covered.
