Health insurance for small business owners and their teams

Covering just yourself (and your family)

If you're a solo owner, your options look a lot like any self-employed person's: an ACA Marketplace plan, with a subsidy if your income qualifies, or a private plan priced on age and health. Read the self-employed guide.

Covering a team

Group coverage is priced differently from individual plans, based on your team, your state and the carrier's underwriting. I'll gather a little information about your team and bring real numbers to a call. If a different approach fits your business better, I'll point you there.

What to think about first

• How many people you want to cover, and whether to include their families
• How much of the premium the business wants to pay
• Whether your team is spread across states
• What your employees care about most: price, doctor choice or simplicity

Who it tends to fit

Good to know: The private plans I offer are limited benefit policies (fixed indemnity). They pay set amounts for covered services, you're responsible for any costs above those amounts, and there's no out-of-pocket maximum. They aren't major medical insurance and aren't a substitute for ACA coverage. Pre-existing condition limitation: a condition you were diagnosed with, treated for or took medication for in the 12 months before your coverage starts isn't covered during your first 12 months.

Questions people ask