Benefits that help you keep good people.

You have more options than a traditional group plan

Most owners assume the only choice is a full group plan. There are usually three viable paths, and the right one depends on your headcount, budget and how much administration you want.

• Traditional group coverage: one plan for the team, with the employer covering part of the premium.
• Level funded plans: often cheaper for healthier groups, with potential refunds if claims come in low.
• QSEHRA and ICHRA: you set a monthly allowance and reimburse employees tax free for plans they choose themselves.

The reimbursement route is worth a look

HRAs have changed the math for small teams. Instead of picking one plan that fits nobody perfectly, you decide what you can afford per employee per month, and each person buys the individual plan that suits them. Your cost is predictable, employees get real choice, and the money is tax advantaged for both sides. For teams with varied ages and family situations, this often beats a group plan on both cost and satisfaction.

Do not leave the tax credit on the table

Small employers who cover at least half of employee premiums, have fewer than 25 full time equivalent employees, and pay average wages under the annual threshold may qualify for the Small Business Health Care Tax Credit. It is claimed on your return and can meaningfully offset what you pay. We will flag it if your business looks eligible, and your accountant can confirm.