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Participation
Insurance
2-50 employees · all major carriers
Get small group health insurance. All major carriers, free comparison.
Small group health insurance (2-50 employees) gives your team affordable health coverage and you a tax-advantaged way to compete for talent. The market splits between full-replacement (PPO, HMO networks from Aetna, Cigna, BCBS, UnitedHealthcare) and ICHRA (Individual Coverage HRA - reimburse employees who buy their own marketplace plans). We compare both paths.
How it works
How we handle Group Health, end-to-end.
Small group health insurance (2-50 employees) gives your team affordable health coverage and you a tax-advantaged way to compete for talent.
1
Census + budget
We collect your employee census (ages, dependents, locations) and your contribution budget per employee. Drives plan design and carrier matching.
2
Quote comparison
All major carriers quoted simultaneously: Aetna, Cigna, BCBS plans for your state, UnitedHealthcare, Humana. Plus ICHRA option as alternative.
3
Plan design
Multiple plans per carrier (HMO, PPO, HDHP). Employee choice or single-plan offering. Contribution strategy (percentage of premium, dollar amount, dependent treatment).
4
Bind + enrollment
Bind chosen carrier. Open enrollment for employees (typically 30 days). Coverage starts on selected effective date.
What we'll set up for you
A clean handoff, in four steps.
You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.
01 · Name + Brand
A name that's actually available.
Real-time check against the state register, USPTO trademark database, and matching domains.
02 · State filing
Filed with the Secretary of State.
We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.
03 · Federal IDs
EIN + the right tax setup.
Federal Employer ID with the IRS, plus state tax accounts when your business needs them.
04 · Stay compliant
Registered Agent + deadline tracking.
Your agent on file in every state, with every renewal and annual report tracked in one calendar.
Pricing
Transparent group health pricing.
Government fees pass through at cost. No upsells.
Traditional group
$0
Aetna, Cigna, BCBS, UHC compared.
Quote from all major medical carriers. Employer typically pays 50-75% of premium, employees pay the rest pre-tax. Premium varies widely by group ages, locations, and plan design.
Get startedICHRA setup
$0
Individual Coverage HRA alternative.
Employer reimburses employees for marketplace plans (within ICHRA rules). Predictable employer cost. Employee picks their own plan. We help with ICHRA design and compliance.
Get startedTotal benefits broker
$0
Health + dental + vision + life + disability.
We act as full benefits broker: medical, dental, vision, group life, short-term and long-term disability. Coordinated renewals and enrollment.
Get started FAQ
About the Small Group Health Insurance Service.
What is small group health insurance?
Small group health insurance is coverage a small business offers its employees, typically available once you have at least one or a few employees, letting you provide benefits at group rates. Offering it helps attract and keep staff. We set up the employer foundation so you can add benefits cleanly.
Do I have to offer health insurance to employees?
It depends on size: the federal employer mandate applies to larger employers, generally 50 or more full-time-equivalent employees, so most small businesses are not required to offer coverage but often do to compete for talent. We flag whether the mandate applies to you as you grow.
How many employees do I need for a group plan?
Group plans are typically available starting at one or a few employees depending on the state and insurer, so even a very small business can often offer coverage. We flag the employer setup so you are positioned to add a group plan when you are ready.
What are the tax advantages of offering health insurance?
Employer contributions to employee health coverage are generally deductible business expenses, and the arrangement can be more tax-efficient than raising wages, while small employers may qualify for a tax credit. We flag how benefits interact with your entity and payroll so the advantages are captured.
What about health coverage for owners?
It varies by entity and ownership: how an owner can participate in and deduct health coverage differs for a sole proprietor, partner, S-corp owner, or C-corp owner, and S-corp owner-employees have specific rules. We flag how your entity and any S-corp election affect owner health coverage.
What is an HRA or QSEHRA?
These are arrangements, including the small-employer QSEHRA, that let a business reimburse employees for health costs or individual premiums tax-advantaged, sometimes instead of a traditional group plan. They can suit very small employers, and we flag the options alongside your employer setup. See HSA/FSA setup.
When should I start offering benefits?
Usually when you need to attract or retain employees who expect benefits, or when the tax advantages outweigh the cost, which varies by business. We flag the decision as part of your employer setup so you can add benefits at the right stage rather than too early or too late.
Do I need a payroll or PEO setup for benefits?
It helps: a payroll provider or a PEO can administer benefits, deductions, and compliance, which reduces the burden of offering coverage. We complete the employer registrations so whichever route you choose has the foundation it needs.
Can File.Business set up my business to offer benefits?
We form the entity, complete the employer registrations, and flag the health-benefit options, tax treatment, and owner rules that fit your structure, so offering coverage is a clean addition to your employer setup rather than a compliance puzzle.
SOC 2 Type II audited
220,000+ businesses. 60-day money-back. State fees passed through at cost.
Your operating system, not a transaction
Every deadline auto-tracked across your entities. Compliance Score visible year-round.
Transparent pricing
No hidden fees. No upsells at checkout. State fees disclosed upfront.