As a small business owner, you wear many hats: manager, accountant, problem-solver, and motivator. The last thing you want to do is spend hours navigating health insurance options, only to assume it’s out of your budget. But here’s the truth: small business health insurance is more accessible and affordable than you might think, especially when you have the right expert on your side.
At Smaltz Insurance, we specialize in helping small businesses find health coverage that fits their budget without sacrificing quality or benefits.
Common Misconception #1: “It’s Too Expensive”
Many small business owners believe group health insurance is only for large companies with big budgets. In reality, many plans are designed specifically for businesses with 50 or fewer employees, and options have expanded significantly in recent years. From level-funded plans to association plans and individual coverage HRAs, there are more flexible, cost-effective solutions than ever before.
With the right structure, you can offer quality coverage without breaking the bank and potentially even save money over what employees might pay on their own.
Common Misconception #2: “We’re Too Small to Offer Coverage”
Some owners think they’re not “big enough” to provide benefits, especially if they only have a handful of employees. But offering a health plan, even to just a few team members, can help you stand out in a competitive hiring market and show your team you truly care.
Even if you only have 2–5 employees, you may still qualify for affordable group health coverage or reimbursement arrangements that provide real value.
Common Misconception #3: “Employees Can Just Use the Marketplace”
While it’s true that employees can shop on the individual marketplace, group plans often offer better benefits, broader networks, and lower out-of-pocket expenses, not to mention the added advantage of pre-tax premium payments for both employer and employee.
At Smaltz Insurance, we help you compare plans side by side so you can see the actual difference in cost, coverage, and convenience.
Real Solutions That Work for Small Businesses
As a licensed agent, Suzanne Smaltz collaborates with health insurance companies nationwide, providing you with access to multiple carriers, networks, and pricing options. You’re not stuck with a one-size-fits-all solution. Instead, you get a customized plan that matches your goals and your team’s needs.
Popular options include:
- Level-funded plans with lower premiums and predictable costs
- Individual Coverage HRAs (ICHRAs) that give employees the freedom to choose their plan
- Small Group Plans tailored to your business size and industry
- Bundled packages that include dental, vision, and supplemental insurance
Year-Round Small Business Health Insurance Support—Not Just at Sign-Up
One of the biggest frustrations employers have with insurance is feeling abandoned after enrollment. With Smaltz Insurance, you and your employees receive personalized support throughout the year. We help with:
- Claims questions
- Enrollment changes
- New hire onboarding
- Employee education
- Renewals and plan reviews
You’re never alone in the process. Suzanne is just a phone call away, ready to help you and your team understand the benefits you’re paying for.
Affordable Coverage = Happier, Healthier Teams
Offering health insurance can improve morale, reduce turnover, and help you attract top talent. When employees feel valued and protected, they’re more likely to stay committed to your company for the long haul.
It’s not just a benefit, it’s an investment in your business’s future.
1. Q: How many employees do I need to offer health insurance?
A: You can offer a health plan with as few as 2 employees, and in some cases, even just the owner and a spouse may qualify. There are flexible options for businesses of all sizes, including microbusinesses and sole proprietors.
2. Q: Is there a tax benefit to offering health insurance?
A: Yes! Employers may be eligible for tax deductions on the premiums they pay, and employees often benefit from pre-tax payroll deductions, reducing their taxable income. In some cases, small businesses can also qualify for a tax credit through the Small Business Health Care Tax Credit.
3. Q: What if my employees want different types of coverage?
A: That’s not a problem. Through options like Individual Coverage HRAs (ICHRAs), you can offer a fixed reimbursement amount and allow employees to choose plans that suit their individual needs.
4. Q: Can I still offer benefits if I have a tight budget?
A: Absolutely. There are many low-cost and level-funded plans available, and you control how much your business contributes. You can even offer voluntary plans where employees pay the full cost at group rates.
5. Q: Who will help my employees when they have questions?
A: We will! At Smaltz Insurance, Suzanne provides year-round support for both you and your team, handling questions, claims, and enrollment changes so you don’t have to.
Let’s Find a Plan That Works for You
Before you decide you “can’t afford” small business health insurance, let’s talk. There’s a good chance we can find a plan that fits your budget and provides real value to your team.
📞 Contact Smaltz Insurance today to schedule a no-cost consultation. We’ll take the time to understand your needs and show you smart, affordable options that make sense for your business.
Smaltz Insurance – More Choices. Smarter Coverage. Personal Support.