Small Business Health Insurance
Small business owners generally choose between a traditional group plan (employer selects one plan for everyone), an ICHRA (employer reimburses employees tax-free for individual plans they choose), or a QSEHRA (a simpler ICHRA-like option for businesses under 50 employees).
The right structure depends on team size, budget certainty, and how much plan choice you want to give employees — we walk through the trade-offs on a single call instead of you researching three acronyms from scratch.
Why clients choose this option
- Employer contributions are fully tax-deductible under every structure
- ICHRA works even for a team of one — no minimum group size
- QSEHRA is built specifically for businesses under 50 employees with no group plan
- Compare real numbers across all three structures before deciding
Frequently Asked Questions
Traditional group plans typically require a minimum participation threshold (often 70%+ of eligible employees); ICHRA has no minimum group size at all.
They're similar reimbursement-style arrangements — QSEHRA is capped at lower contribution limits and restricted to employers under 50 employees with no group plan; ICHRA has higher limits and no size cap.
Yes, eligibility classes are configurable — we'll walk through what's compliant for your team structure.