Small Business Health Benefits Guides
Offering health benefits as a small employer comes down to a few big choices: a traditional group plan, an Individual Coverage HRA (ICHRA) that reimburses employees for their own individual plans, or a mix. These guides explain how each works so you can compare them with your budget and your team in mind.
Short answer: Small employers can offer a group health plan (fully insured or level-funded), an ICHRA that reimburses individual premiums, or no plan at all. The right fit depends on your budget, your workforce, and how much cost risk you are willing to take.
Group health and ICHRA
- ICHRA for Small Business: 2026 Guide to the Individual Coverage HRA
A plain-English 2026 guide to ICHRA for small business: how the Individual Coverage HRA works, its pros and cons, ICHRA vs. group vs. QSEHRA, and whether it fits your company. - Level-Funded vs. Fully-Funded Health Plans: How to Choose (2026)
Level-funded or fully-funded group health? Compare cost, risk, refunds, and underwriting so your small business can choose with confidence before renewal. - Business insurance and employee benefits
An overview of the group benefits, business insurance and payroll options we help with.
Coverage for owners
- Self-Employed Health Insurance in Arizona: 2027 Guide
Self-employed health insurance in Arizona: how to buy a Marketplace plan, estimate net income for subsidies, and what changed for 2027. Plain-English guide.
Life insurance for owners and families
- Term vs. Whole Life Insurance: How to Choose (2026)
Term or whole life insurance? Compare costs, coverage length, and cash value so you can choose the right policy for your family's budget in 2026. - Universal vs. Whole Life Insurance: Key Differences (2026)
Universal or whole life insurance? Compare flexibility, guarantees, cash value, and cost to choose the permanent life policy that fits your goals in 2026.
Looking for something else? Browse all of our guides.
This content is for educational purposes only and is not medical, tax, or legal advice. Rules, dates and eligibility can change; confirm details with HealthCare.gov, the IRS or a licensed agent.
Planning benefits for your team?
We will compare group plans and ICHRA side by side for your business and walk you through the trade-offs — at no cost to you. Request a review or call 541-731-4959.
Request a free coverage review