Small Group Benefits: A Practical Guide for Small Teams

Imagine running a small business where every person wears multiple hats—including you. Keeping your team supported matters, but choosing a health insurance option can feel overwhelming when time and resources are already stretched thin. That is where small group benefits can make a real difference, offering a clearer, more affordable path forward.

Cost Efficiency for Employers and Teams

Small group health plans often cost less than individual policies because risk is shared across the team. Employers typically contribute toward premiums as well, lowering employees’ out-of-pocket expenses and helping everyone access meaningful coverage without breaking the budget.

Better, Broader Coverage Options

These plans often include benefits employees might not find on their own—from richer medical coverage to additional perks that support daily wellness. This helps small teams feel cared for and confident in their overall healthcare experience.

Simple Eligibility Requirements

You don’t need a large staff to qualify. Businesses with as few as two employees—including the owner—can access small group plans. This makes it an attainable option even for lean teams looking to offer real value without overextending resources.

Tax Advantages That Add Up

Eligible small employers may qualify for the Small Business Health Care Tax Credit, which can cover up to 50% of premium costs. Nonprofits can receive up to 35%. These savings can significantly reduce annual expenses and make providing benefits more manageable.

Supporting Morale, Retention, and Well‑Being

Beyond dollars and cents, dependable coverage gives employees peace of mind. When your team feels secure and supported, morale improves, retention strengthens, and overall wellness becomes part of your workplace culture.

Exploring small group benefits doesn’t have to be complicated—or expensive. If you're unsure where to begin, help is available to walk you through your options, compare plans, and find a solution that fits your team. Now is a great time to review what’s possible and ensure your employees get the care and support they deserve.