Group health insurance guides for small business owners
Our group health insurance guides are written for owners and office managers, not insurance people. Every number is sourced and dated, and each guide ends with what to do next.
Small business health insurance: how group plans work
Who qualifies, the rules carriers check, what drives your price and the tax breaks you can claim.
Read the guide- Rates
2027 small group rate increases by carrier
What carriers asked for in their 2027 small group filings, where the numbers come from and what to do before you renew.
- Renewal
How to review your group health renewal
A step by step plan for the 90 days before your renewal date, from reading the notice to comparing the market.
- Rules
Participation and contribution rules for group health plans
The two numbers carriers check before they sell you a plan, who counts toward them and what to do if you fall short.
- Compliance
The ACA employer mandate: who it applies to
How to count full-time equivalents, what affordable coverage means for 2026 and 2027, and how penalties work.
Group health insurance guides by plan type
Each plan guide explains how the option works, who it fits and what to check before you sign. Start with the one closest to what you offer today, then compare it with the alternatives. New guides go up as rules and rates change each year.
Compare all plan types- Small group health insuranceMost teams of 1 to 50 that want a traditional plan
- Level-funded health plansHealthier teams open to a short health questionnaire
- ICHRATeams spread across states, or owners who want a set budget
- QSEHRABusinesses under 50 employees with no group plan
- Group dental and visionAny employer adding benefits beside a health plan
- Group life and disabilityEmployers rounding out a benefits package
Get your quote before renewal
Tell us about your team. A licensed agent compares plans from the carriers in your area and sends you options.
- Free, with no obligation to buy
- Small group, level-funded and ICHRA compared
- A licensed agent handles your request