Small Business
Small business health insurance without the paperwork spiral.
Whether you're offering coverage for the first time or shopping your renewal, we help small employers compare group carriers, HRAs (including QSEHRA and ICHRA), and level-funded options — then handle setup and open enrollment for your team.
Who this may suit
- Small businesses with 2–50 employees.
- Owners weighing a traditional group plan vs an HRA reimbursement approach.
- Companies renewing group coverage and unsure whether their carrier is still competitive.
- Employers who want to attract talent with meaningful benefits without an HR department.
Important considerations
- Group plan availability, participation rules, and pricing depend on your state and headcount.
- HRAs (QSEHRA, ICHRA) shift administration and can offer more flexibility, but have specific rules.
- Employee contribution requirements and waiting periods vary by carrier and plan.
- Dental, vision, and life can be added; some carriers offer bundled discounts.
Common questions
How many employees do we need to qualify for a group plan?+
In most states, groups with 2 or more eligible employees can qualify. Exact rules depend on state and carrier.
What is an HRA and could it fit us?+
A Health Reimbursement Arrangement lets you reimburse employees for individual-market coverage tax-efficiently. QSEHRA and ICHRA are common variants. We'll walk through whether it fits your team and budget.
When can we start coverage?+
Most group plans have effective dates on the 1st or 15th of a month. Timing depends on carrier underwriting and how quickly we get census info.
Do you help during open enrollment?+
Yes — we build enrollment materials, host meetings (in person or virtual), and handle the paperwork.
Related coverage
Plan availability, eligibility, pricing, benefits, provider networks, and underwriting requirements vary by state, carrier, and individual circumstances. Summit Health Advisors does not represent every carrier or every plan available in your area. Submitting information does not guarantee coverage, pricing, enrollment, or eligibility.