Health Insurance for Small Business Owners
As a small business owner, you have a choice most employees don't: cover yourself through the same structure as your team, or handle your own coverage separately if your business isn't ready for group benefits yet.
We typically start by mapping out both your personal coverage needs and your team's, since the right structure (or combination) often looks different for the owner than for employees.
Why clients choose this option
- Cover yourself via ICHRA/QSEHRA reimbursement even before your team is covered
- Compare owner-only vs. full-team group coverage costs side-by-side
- Understand the tax treatment differences between structures for owners specifically
- One advisor coordinating both your personal and your team's coverage
Frequently Asked Questions
Yes — ICHRA and individual private PPO plans both let you start with owner-only coverage and expand to a team structure later without starting over.
Often yes — S-corp shareholder-employees have specific IRS rules for deducting health insurance premiums. Confirm the details with your CPA; we can coordinate on the coverage side.