For small business · Licensed in 30 states

Benefits that help you keep good people — without enterprise pricing.

Offering health benefits shouldn't take enterprise paperwork or enterprise pricing. We help small business owners — from contracting crews to small offices — weigh group plans against individual coverage and find what actually fits a lean team and budget.

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How many employees?

Pick the option that fits your team.

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A construction business owner on a job site
Built for owners like youFrom job sites to small offices, coverage that fits how you actually run your business
A chef working in a restaurant kitchen
Restaurants & cafesLong shifts and high turnover make benefits worth it
Who we typically work with

Small teams, real risk, real reasons to get covered

Most of our small-business clients have under 50 people. Here's where health coverage tends to matter most — and why.

Construction & contracting crews

One job-site injury without coverage can wipe out a season's profit. We find plans built for physical, high-risk work.

Restaurants & cafes

Long shifts, physical work, and high turnover make it hard to keep good staff. Benefits are one of the easiest ways to stand out.

Salons, spas & independent stylists

Booth renters and W-2 stylists often need different coverage. We help sort out who actually needs what.

Real estate offices

A mix of W-2 staff and 1099 agents means one-size-fits-all group plans rarely fit. We compare both routes side by side.

Retail shops & boutiques

Competing with big-box retailers for good employees is tough — health coverage helps a small shop compete.

Auto shops & landscaping crews

Hands-on, physical work means real injury risk. Coverage that's actually there when someone gets hurt matters.

A small shop owner working in her flower shop
Retail & boutiquesSmall shops, real people, real coverage needs
Crews on the jobPhysical work means real risk — and real reasons to be covered
Why owners work with us

Coverage that matches how your team is actually built

Group options for owners who want to take care of their team without enterprise pricing.

Group & individual options

Compare small-group plans against individual coverage side by side, so you can see which route actually costs your business less.

Built for owners & 1099s

Self-employed, an LLC of one, or a mix of W-2 staff and contractors? There are plans built for how a small operation actually works.

Attract & keep talent

Benefits are one of the top reasons employees stay. Offer coverage that competes for good people without blowing up your budget.

FAQ

Common questions

Straight answers to what people ask us most.

How much does health insurance cost for a small business?

It depends on your team's size, ages, location, and the plan you choose. Many owners compare offering a small-group plan against having employees buy individual coverage — sometimes the individual route costs the business less. We run both side by side so you see real numbers before committing.

I run a small crew of contractors — do I need group coverage?

Not necessarily. If your team is mostly 1099 contractors rather than W-2 employees, individual plans are often the simpler and more affordable route. We help you sort out which of your people even need to be on a group plan versus buying their own.

What kinds of small businesses do you typically work with?

Construction and contracting crews, restaurants and cafes, salons and spas, real estate offices, retail shops, and auto or landscaping businesses are some of the most common — basically any owner with under 50 people who wants real benefits without enterprise pricing.

Ready when you are

Let's talk about your team

Tell us your team size and budget — we'll bring back real numbers for group and individual options side by side.

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