Small Business Group Health Insurance

Business Specialists

Real benefits for real teams

Offering quality health insurance helps a small team hire and keep good people. We work with businesses of 2 to 25 employees, and we make it simple, affordable, and fully managed for you. Start with the guide for your size: 2 to 10 employees or 10 to 25 employees.

Plans for businesses with 2 to 25 employees, our specialty

HMO, PPO, EPO & comprehensive coverage options

Multi-carrier comparison from top insurers

Enrollment support and ongoing account management

ACA compliance guidance included

Tax advantages for both employer and employees

40%

Average savings when working with a broker vs. buying direct from a carrier

Zero cost to access our services

Quotes the same day

Licensed brokers in 30+ states manage your account

Free Business Quote

Get your custom group plan quote

Takes less than 2 minutes. Our brokers will review your needs and deliver custom plan options the same day.

Tell us about your business

Basic info helps us find plans that fit your team size and industry.

Number of Employees * Please select employee count

Industry * Please select your industry

Business ZIP Code * Please enter a valid 5-digit ZIP code

Coverage Priority * Please select a priority

A few more details

This helps us match you with the right carriers and plan types.

State * Please select your state

When do you need coverage? * Please select a timeline

Do you currently offer health insurance? * Please make a selection

Almost done! Your contact info

A licensed Moran Insurance Group broker will contact you within 1 business day with custom plan options.

First Name * Please enter your first name

Last Name * Please enter your last name

Work Email * Please enter a valid email address

Phone Number * Please enter your phone number

Company Name * Please enter your company name

🔒 Your information is secure and never shared without your consent.

🎉

You're All Set!

Thanks for reaching out. A licensed Moran Insurance Group broker will contact you within 1 business day with custom group plan options tailored to your business.

Need faster help?

📞 863-270-9820

Plan Options

Every plan type on the table

We compare all available group plan types to find what actually fits your business and your team.

Fully-Insured

Carrier bears all risk

Structure

Monthly costFixed

Who pays claimsCarrier

Risk to employerNone

RefundsNever

Best For

2-25 employees

Groups with predictable healthcare needs or cost-conscious employers

Employee Size

Solo to large groups (unlimited)

Pros

No claims risk to employer
Predictable budget
Simpler administration
Easy to explain to employees
Good for small/starting groups

Cons

Higher premiums (carrier margin built in)
No refunds if claims are low
Larger rate increases at renewal
Less transparency into actual costs
Limited leverage in negotiations

Middle Ground

Level-Funded

Employer shares upside

Structure

Monthly costFixed

Who pays claimsEmployer (covered)

Risk to employerCapped (stop-loss)

RefundsIf claims low

Best For

5-25 employees

Healthy groups wanting predictable costs + refund upside

Employee Size

5+ employees (practical sweet spot)

Pros

Fixed monthly payment (predictable)
10-40% lower premiums vs. fully-insured
Refund upside (incentivizes wellness)
Claims transparency
Stop-loss protects against spikes

Cons

Requires healthy workforce
Stop-loss has per-employee deductible ($5K-$10K)
More complex to explain
Employer assumes some claims risk
Participation thresholds (typically 70-80%)

Self-Funded

Employer bears all claims

Structure

Monthly costVariable

Who pays claimsEmployer

Risk to employerUnlimited (capped by stop-loss)

RefundsExcess reserves return

Best For

100+ employees

Large, financially stable groups wanting maximum control & savings

Employee Size

100+ employees (practical minimum)

Pros

Maximum premium savings (20-40% vs. fully-insured)
Full claims transparency
Employer controls plan design
No state insurance premium taxes
Significant refund if claims are low

Cons

Unlimited claims liability (without stop-loss)
ERISA compliance complexity (Form 5500 filing)
Requires significant financial stability
Higher admin burden
Vulnerable to catastrophic claim years

Cheapest Option

Employer Sponsored

Individual policies + employer subsidy

Structure

EnrollmentIndividual (not group)

Plan typeIndemnity/Short-term med

Employer roleContributes % to each employee

RefundsNo (individual policies)

Best For

2-25 employees

Cost-conscious employers; startup/seasonal businesses; affordable healthcare priority

Carriers

USHealth (TriTerm, SecureAdvantage)
Golden Rule (PremierAdvantage)
Individual/short-term medical

Pros

Lowest possible cost (50%+ vs. group plans)
No group underwriting needed
Employees can choose their plan
Employer sets contribution %
Works for any company size
No claims risk to employer

Cons

Limited coverage
High deductibles ($2,500-$10,000)
Pre-existing condition exclusions possible
Not "true" group plan (individual enrollment)

Business Health Insurance

Real benefits for real teams

Try the group health cost calculator first

Get your custom group plan quote

Tell us about your business

A few more details

Almost done! Your contact info

You're All Set!

Every plan type on the table

Fully-Insured

Level-Funded

Self-Funded

Employer Sponsored

Ready to build your team's benefits package?

Small business health insurance in 31 states