Plan comparison
Review premiums, deductibles, provider networks, and cost-sharing together—not as isolated numbers.
Health coverage for employers
Small Business Health Insurance
Build a benefits approach that supports your employees, fits your budget, and is practical to administer. GLG helps small employers understand available plan structures and compare options based on their workforce.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Employer strategy
Consider contribution levels, eligibility rules, and enrollment timing as part of the complete plan.
Ongoing guidance
Get help with renewals, employee changes, and questions that come up throughout the plan year.
Health insurance options for small businesses
Small employers may have access to group health plans, qualified Small Business Health Options Program (SHOP) coverage, or other benefit arrangements. Eligibility and availability depend on the business, employee count, state, and carrier.
- Traditional group health insurance
- HMO, PPO, EPO, and other network designs
- High-deductible health plans that may be HSA-compatible
- Dental, vision, and other supplemental benefits
What to compare before choosing a plan
A lower premium does not always mean a lower total cost. The right comparison considers how employees use care and whether important doctors, hospitals, prescriptions, and services are covered.
- Monthly premium and employer contribution
- Deductible, copays, coinsurance, and out-of-pocket maximum
- Provider network and prescription formulary
- Employee eligibility and participation requirements
- Renewal history and administrative support
A practical enrollment process
GLG starts with your employee count, locations, current coverage, budget, and renewal date. We then help organize available options so you can make an informed decision and communicate it clearly to your team.
Common questions
Small Business Health Insurance FAQ
How many employees do I need for small business health insurance?
Eligibility varies, but SHOP is generally designed for employers with 1–50 full-time and full-time-equivalent employees. A business with no employees generally uses individual coverage instead.
Does a small business have to pay the entire employee premium?
Not necessarily. Contribution and participation requirements vary by carrier, market, and plan, so they should be confirmed when options are quoted.
Can employees keep their doctors?
That depends on the selected plan network. Provider directories should be checked before enrollment, especially when continuity of care is important.
Talk through your options