Group Health Insurance for Small Business
Traditional group health plans explained — what they cover, who they are right for, and how RedHealth Advisors helps you find the best fit for your team.
How Group Health Insurance Works.
A traditional group health plan covers all eligible employees under a single policy. Here is what that means in practice.
One Plan. Everyone Covered.
Your business selects a health insurance plan from a carrier. All eligible employees are enrolled in that plan. Coverage is uniform — same network, same benefits, same cost structure for everyone on the plan.
Shared Premium Costs.
With a group plan, your business pays a portion of each employee's monthly premium and employees pay the remainder through payroll deduction. The employer contribution is tax-deductible and the employee's portion is paid pre-tax.
Broad Carrier Networks.
Group plans typically offer access to large carrier networks — meaning employees can see a wide range of doctors, specialists, and hospitals. Larger networks are one of the primary advantages of traditional group coverage.
Is group health insurance right for your business?
Group health insurance is a strong fit for businesses that want to provide consistent, unified coverage for all employees. It works well when your workforce is concentrated in one area with good carrier network access, when employees value having a single plan they do not have to shop for themselves, or when your business wants to offer competitive benefits to attract and retain talent.
The tradeoff is cost predictability — group premiums can increase significantly at renewal and minimum participation requirements mean a certain percentage of eligible employees must enroll. We help you evaluate whether a group plan or ICHRA is the better fit for your specific workforce before you commit to either.
Ready to explore group health options for your team?
Schedule a free 30-minute consultation. We will walk you through your options, compare group vs. ICHRA, and help you make the right decision for your business.
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