Empower Life GuideInsurance & Retirement

Group Health Insurance

Benefits that keep great employees

For small businesses, health benefits are the difference between winning talent and losing it. May helps business owners set up and manage group health insurance: comparing carriers and plan designs, understanding contribution strategies and potential tax advantages, and guiding your team through enrollment — so offering benefits doesn't become a second job.

  • Plan options compared across carriers
  • Contribution strategies that fit your budget
  • Potential tax advantages for the business
  • Employee enrollment handled for you

Why small businesses offer group health

Health benefits consistently rank among the top reasons employees join and stay at a company. Group coverage typically costs employees less than individual plans, premiums the business pays are generally tax-deductible, and some small employers qualify for additional tax credits. It's one of the highest-leverage investments a growing business can make in its team.

Built around your budget

Group health isn't all-or-nothing. You choose the plan tier, the carrier, and how much of the premium the business contributes — May models the options so you can see exactly what each design costs the business and each employee before you commit. Most states allow small groups starting at just one or two eligible employees.

Setup and enrollment, handled

May manages the moving parts: gathering census information, collecting quotes from multiple carriers, walking your team through their options during enrollment, and staying on as your point of contact for renewals and employee questions — at no extra cost to the business.

Ideal for

Small business ownersStartups building a teamFamily businesses1–50 employees
Mahbanoo (May) Kohnouri, licensed life insurance agent in California and Texas

Written & reviewed by Mahbanoo (May) Kohnouri

Licensed life insurance agent · California & Texas · License #0M26340 · 8+ years of experience

Group Health questions, answered

What families ask most about group health insurance

Small-group plans commonly start at just 1–2 eligible employees (owner plus one non-spouse W-2 employee is a typical minimum, varying by state and carrier). May can quickly tell you what your business qualifies for in California or Texas.

Carriers typically require the employer to cover a portion of the employee premium — often around 50% — though requirements vary by carrier and state, and relaxed rules often apply during special open-enrollment windows. May will model contribution levels against your budget.

Employer-paid premiums are generally a deductible business expense, and qualifying small employers may also be eligible for the Small Business Health Care Tax Credit. Confirm specifics with your tax professional — May can coordinate with them on plan details.

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