Small business with fewer than 5 employees cannot find affordable group health insurance due to small team size, facing high premiums and deductibles from traditional carriers.
Traditional group health insurance carriers (e.g. Aetna) offer unaffordable rates for very small teams (under 5 employees), and individual plans through brokers are still expensive with high deductibles.
SmallGroup Health
SmallGroup Health is a platform that aggregates small businesses (under 10 employees) into a larger purchasing pool to negotiate lower group health insurance rates. It matches employers with specialized brokers and provides side-by-side quotes from carriers that cater to micro-businesses. Unlike traditional brokers, SmallGroup Health leverages collective buying power and offers administrative tools to manage enrollment.
- Pool small businesses for group rates typically reserved for larger companies
- Compare quotes from multiple carriers specializing in micro-group plans
- Integrated enrollment management and employee communication
- Dedicated broker support familiar with small business regulations
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