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Why Should Your Business Offer Health Insurance?

Small business owners who offer health benefits experience a number of business advantages. No matter how many employees are within your company, the benefits of providing health coverage are clear for them and for you.


Attract and retain top-notch talent

A Glassdoor survey found that employees viewed health insurance as the most important benefit they receive from their employer. Offering coverage to employees can help businesses compete for the best employees and keep them working.1

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Boost productivity

A MetLife study found that 60% of employers linked offering health insurance to higher productivity levels. Health insurance can help protect employees and their families with coverage for wellness visits, prescription drugs, emergencies, mental health benefits, and chronic conditions. This in turn can help keep employees happy, healthy, and productive!2

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Options for you and your team

Employers sponsoring coverage as a group can access coverage from a broad network of providers, benefit plans, and network options. This means employers, employees and their families can access care when and where they need, reducing time away from the business.

Save Money

Save on taxes

Offering health insurance could present tax advantages to the business in the form of deductions and payroll tax benefits as well as the possibility for employees to use pre-tax dollars for their portions of the premium.

Save More Money

Invest in your own health and the health of your employees

As an employer, you’ll join a group health plan with a larger health network and more health care options. So, you ensure better health care for you and your family as well as your team.

Is Your Company Eligible For Group Health Insurance?

If you have between two and 50 full-time employees, you likely qualify to purchase a small business health care coverage plan. To purchase insurance as a small business, your company typically also needs:


At least two full-time employees, including the owner.

For the purposes of group health care coverage, a full-time employee is someone who is employed a minimum of 30 hours per week. Some states may have additional guidelines as to who qualifies as an eligible employee.

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A certain percentage of your employees must enroll in the coverage you offer.

Minimum participation requirements vary by state. If you purchase insurance between November 1 and December 15 for a January 1 or January 15 effective date, this participation requirement is waived.

Money Stack

Employers must meet minimum contribution requirements.

It is required that business owners contribute a certain amount to their employees’ monthly premium costs to qualify for group coverage. If you purchase insurance between November 1 and December 15 for a January 1 or January 15 effective date, this minimum contribution requirement is waived.


If you have more than 50 full-time employees, call the number for your local sales office.

Find the most up-to-date phone numbers.

Healthier Employees. Healthier Business.

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