04 — Small Business

Real benefits for your team.
Without the enterprise price.

Small business owners deserve access to the same quality coverage as big companies. Whether it's just you or a team of ten, I'll find something that actually fits what you're building.

Your options as a business owner

You have more options than you probably think.

Most small business owners assume group coverage is out of reach or too complicated to set up. In a lot of cases, individual and family plans are actually a better deal — especially if you have a small team with varying needs.

If you want to offer benefits to attract or retain employees, I'll walk you through group plan options and what the tax implications look like. If you just need to cover yourself and a partner, we'll find the most cost-effective way to do that.

  • Group vs. individual plan comparison for your team size
  • SHOP marketplace options for small businesses
  • HRA (Health Reimbursement Arrangement) setup guidance
  • Premium deductibility for business owners
  • Coverage for 1099 contractors vs. W-2 employees
Just covering yourself as the owner?
If your business is your primary income and you have no other coverage options, you may qualify for a self-employed deduction and access to the same private market plans as individuals. I'll find you the best value without requiring a full group setup.
Want to offer benefits to your team?
Small group plans are available to businesses with as few as 1–2 employees. I'll compare group plan costs vs. offering individual coverage stipends to see which approach makes more financial sense for your business structure.
The QSEHRA option
A Qualified Small Employer HRA lets you reimburse employees tax-free for individual health insurance costs instead of running a group plan. It's simpler and often cheaper — and most small business owners have never heard of it. Let's see if it fits.

Let's build your benefits

One conversation.
A plan that fits your business.

Tell me how many people need to be covered and what you're working with budget-wise. I'll put together real options — not a sales pitch.

Book a Free Consultation Send an Email

Prefer to call? (719) 661-9957 — I pick up.