Commercial Health Insurance Affordable health insurance for you and your employees


Protect the health of your business

Health insurance can help your small business both by providing you and your employees with quality medical care, and by helping you attract and retain the best employees.

You and your employees have worked hard to build your business. Now, it’s time to reinvest in your greatest asset: your employees. For many small and medium businesses, that means health insurance. You know the value of it, and your employees do too.

Get a quote for a small business health insurance plan that provides quality medical care and financial protection in case of unexpected injury or illness.

  • Cover yourself and your employees, plus dependents
  • Hire and retain the best employees by offering competitive benefits
  • Choose from a broad selection of plans from brand-name insurers
  • Get personal help and advice from licensed agents at no extra cost

Starting your own company is no easy feat. Finding the best health insurance for small business is probably on that long to do list of yours. This post outlines your options and hopefully saves you a little time and stress in the decision-making department. 

There are a lot of what ifs when it comes to starting your own business. First, do you have a great idea for product or service? How will it be marketed? How big is the market you will compete in? What does the competition look like? Should you hire a team to do a spiffy logo and website or should you go the DIY approach? 

Then there’s the financial piece. How are you going to finance your business? Can you afford to launch a company without a loan? Do you qualify for one? Are you planning on fundraising with potential investors?  Do you understand the tax implications of owning a small business (trust us, go ahead and find yourself a good CPA to help guide you through this process). 

Now let’s talk about the questions you should ask about your health insurance, because whether you like it or not, that plays into the financial reality of your company and needs to be a part of your growth plan. More business equals more employees equals a greater need for health insurance. 

Do I have a plan for health insurance if I leave my current company’s health insurance plan to go out on my own? Does my spouse have a health plan that can cover me? Am I planning on growing?  Do I have to offer my employees health insurance? 

Why health insurance for small business is important

Health insurance can be a major financial deterrent when you’re considering going out on your own. But it doesn’t have to be.

Small Business Group Health

Most Americans get their health coverage through group health insurance plans. Small business group health insurance plans generally work like the group health insurance plans offered by larger companies.

Monthly premiums are typically shared between the employer and employees, and dependents can usually be added to the policy as well.

eHealth works with a large variety of small business health insurance companies and has many plans to choose from in many states. eHealth can help you compare different plans from different insurers in your area to find the one for your needs and budget. The plans and insurers in each area vary, so come see what is available.

Benefits of group plan vs individual/family plan

Small business health insurance plans generally provide robust health insurance coverage than what’s available in the individually purchased health insurance market under Obamacare. However, when considered on a per-person basis, small business health insurance coverage is often less costly.

By sponsoring a group health insurance plan, you’re not only providing coverage to your employees, but you may be finding a more affordable coverage option for yourself**.


Even if you’re self-employed, or if you’re paying contractors on a 1099 basis (in some states), you may qualify for group health insurance coverage. Various factors affect eligibility in each state.

Self-employed people without employees may not be eligible for small group health insurance coverage, and self-employed people typically buy individual or family health insurance coverage on their own.

eHealth can help you apply for individual or family coverage, or group health coverage. In most states, it can help whether or not you qualify for income-based government subsidies under the Affordable Care Act.

When you’re required to offer health insurance to employees

Under the Affordable Care Act (Obamacare), small businesses with fewer than 50 full-time workers are generally not required to provide group health insurance coverage, though tax incentives may be available if you do. Additionally, your employees may be subject to a tax penalty if they don’t get insurance.

Employees of small businesses who do not get employer-based group health insurance coverage may be subject to a tax penalty if they remain uninsured.

Insurance for your employees’ pets too

In addition to health insurance, you can also offer your employees the option to protect their pets with Progressive Pet Insurance by Pets Best. It’s a voluntary benefit that protects their dogs and cats with customizable coverage at a great rate.

Employees can choose basic coverages to cover things like accidents and emergencies involving their pets, or additional coverages to cover routine care and checkups.

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