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What Small Business Owners Actually Need to Know About Benefits
Most of what small business owners believe about health insurance is wrong — or outdated. The group insurance market that excluded businesses under 10 employees is no longer the only option. Individual marketplace plans, employer contribution models, and no-minimum-enrollment packages have changed what's possible for businesses of any size.
This site exists to explain those options without the sales pitch.
Essential Guides
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Cost & Affordability
Family premiums reached $26,993 in 2025. Small business workers pay $8,889 more than large company employees. But there's an alternative most aren't using.
1099 Workers
The answer most business owners don't expect: yes. Here's how it works, what it costs, and what to watch out for.
Getting Started
Step by step. No jargon. The exact process for setting up real health coverage for a small team without a traditional group plan.
Not Sure What Your Business Qualifies For?
A 15-minute conversation with a benefits advisor will show you exactly what's available for a business your size — and what it actually costs.
Get a Free Benefits Assessment →