Below fifty full-time employees you are not required to offer coverage, which is exactly why nobody has built you an easy path to it. Here is what owners actually do.
What usually goes wrong
Group plans priced for a handful of employees are brutally expensive per head
One employee's claim history can move the whole group's renewal
Renewal increases arrive annually with no negotiating room
Administering a group plan is work you did not sign up for
Where a private PPO tends to fit
Individual underwritten policies price each person on their own health
No group administration, no participation requirements, no annual renewal fight
Healthy owners and staff often land well below a group per-head rate
Add or change coverage as the team changes, not once a year
Worth knowing
If you have employees with significant conditions, a group plan's guaranteed issue may protect them better than underwriting. Compare both before you move anyone.
Built Around Your Work
Coverage that fits the way you earn.
You look after everyone else's payroll. A private plan for yourself and your family should not wait until the group plan question is settled.
One licensed advisor looks at your household, your state and your doctors, then explains what genuinely fits — including when something other than a private PPO is the better answer.
“I was paying $690 a month for a plan with a $7,000 deductible. The advisor found a PPO my cardiologist already takes, and I stopped dreading the renewal letter.”
Self-employed contractor, 47 · Texas
5.0
“COBRA wanted $1,180 a month for the two of us. The call took twenty minutes and I understood my options for the first time in years.”
Recently laid off, 52 · Ohio
5.0
“He told me my income meant a subsidized Marketplace plan would beat anything he could sell me. I did not expect that from a phone call about insurance.”
Part-time seasonal worker, 34 · Oregon
5.0
“I was paying $690 a month for a plan with a $7,000 deductible. The advisor found a PPO my cardiologist already takes, and I stopped dreading the renewal letter.”
Self-employed contractor, 47 · Texas
5.0
“COBRA wanted $1,180 a month for the two of us. The call took twenty minutes and I understood my options for the first time in years.”
Recently laid off, 52 · Ohio
5.0
“He told me my income meant a subsidized Marketplace plan would beat anything he could sell me. I did not expect that from a phone call about insurance.”
Part-time seasonal worker, 34 · Oregon
5.0
“Three states in eighteen months on travel contracts. The thing I needed was a network that did not end at the county line, and that is what we talked about.”
Travel nurse, 31 · Arizona
5.0
“I run a four-person shop. We went through what a group plan would cost versus individual coverage, and he was straight that the group route made no sense at our size.”
Small business owner, 44 · North Carolina
5.0
“Retired at 61 and the gap to Medicare looked like the most expensive four years of my life. It is still not cheap, but it is roughly half what I had budgeted.”
Early retiree, 61 · Florida
5.0
“Nobody asked for my Social Security number or my income. Four questions, then a real person called. That alone put me at ease.”
Rideshare driver, 29 · Nevada
5.0
“My wife has a thyroid condition, so I assumed underwritten meant declined. The advisor explained what carriers actually do with that, and we went in with our eyes open.”
Owner-operator, 50 · Tennessee
5.0
“I called in March after leaving my job. I had no idea you could start coverage outside open enrollment until somebody said it plainly.”
Marketing consultant, 38 · Illinois
5.0
“Two kids, and our old plan meant $50 every time one of them had an ear infection. Low copays were the whole point for us.”
Family of four, 41 · Georgia
5.0
“He walked me through the out-of-pocket maximum line by line. That number was the one I had never understood, and it is the one that actually matters.”
Restaurant manager, 36 · Colorado
5.0
“I said I wanted to think about it. There was no second call, no email campaign, nothing. I rang them back a fortnight later myself.”
Framing contractor, 45 · Idaho
5.0
“I was paying $690 a month for a plan with a $7,000 deductible. The advisor found a PPO my cardiologist already takes, and I stopped dreading the renewal letter.”
Self-employed contractor, 47 · Texas
5.0
“COBRA wanted $1,180 a month for the two of us. The call took twenty minutes and I understood my options for the first time in years.”
Recently laid off, 52 · Ohio
5.0
“He told me my income meant a subsidized Marketplace plan would beat anything he could sell me. I did not expect that from a phone call about insurance.”
Part-time seasonal worker, 34 · Oregon
5.0
“Three states in eighteen months on travel contracts. The thing I needed was a network that did not end at the county line, and that is what we talked about.”
Travel nurse, 31 · Arizona
5.0
“I run a four-person shop. We went through what a group plan would cost versus individual coverage, and he was straight that the group route made no sense at our size.”
Small business owner, 44 · North Carolina
5.0
“Retired at 61 and the gap to Medicare looked like the most expensive four years of my life. It is still not cheap, but it is roughly half what I had budgeted.”
Early retiree, 61 · Florida
5.0
“Nobody asked for my Social Security number or my income. Four questions, then a real person called. That alone put me at ease.”
Rideshare driver, 29 · Nevada
5.0
“My wife has a thyroid condition, so I assumed underwritten meant declined. The advisor explained what carriers actually do with that, and we went in with our eyes open.”
Owner-operator, 50 · Tennessee
5.0
“I called in March after leaving my job. I had no idea you could start coverage outside open enrollment until somebody said it plainly.”
Marketing consultant, 38 · Illinois
5.0
“Two kids, and our old plan meant $50 every time one of them had an ear infection. Low copays were the whole point for us.”
Family of four, 41 · Georgia
5.0
“He walked me through the out-of-pocket maximum line by line. That number was the one I had never understood, and it is the one that actually matters.”
Restaurant manager, 36 · Colorado
5.0
“I said I wanted to think about it. There was no second call, no email campaign, nothing. I rang them back a fortnight later myself.”
Framing contractor, 45 · Idaho
How It Works
Three steps, and you are in control of all three.
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Step one · about 30 seconds
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Household
1234+
Pre-existing conditions
YesNo
When
Now30 daysComparing
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