Small Group Health Insurance and Benefits Made Simple
Smart, Affordable Coverage for Your Business
At
Sky View Health Insurance Advisors, we specialize in helping small and mid-sized businesses provide high-quality, affordable group health insurance plans. We’ll design a benefits package that supports your team and strengthens your business.
Why Offer Group Health Insurance?
Attract & Retain Talent
Health benefits are a top priority for today’s workforce.
Tax Benefits
Employers may qualify for tax deductions and reduced payroll taxes.
Cost-Effective
Group plans often provide better rates and broader coverage than individual plans.
Healthier, Happier Teams
Comprehensive benefits promote wellness and boost productivity.
What Sky View Offers
Fully-Insured Plans
Predictable monthly costs from top-rated carriers.
Level-Funded Plans
Ideal for small businesses looking to save without taking on risk.
Dental, Vision & Supplemental Benefits
Create a complete benefits package.
Regulatory Support
Guidance with ACA compliance, COBRA, ERISA, and more.
Personalized Support Every Step of the Way
As your dedicated broker,
Sky View Health Insurance Advisors handles the details—from comparing plan options and managing enrollment to answering employee questions year-round. We're your long-term partner in protecting your business and your employees.
Schedule a Free Consultation Today
Frequently Asked Questions:
How many employees does it take to form a group plan?
For employer group health plans (non-Medicare, just general insurance law in the U.S.):
- Small group plan: Usually 2 to 50 employees (some states define it as 1 to 50 if they allow “group of one”).
- Large group plan: 51 or more employees (in some states, 101+).
So, technically, it can take as few as one employee if the state allows a “group of one,” but in most places, you need at least 2 employees to form a group plan.
What is an ICHRA?
An ICHRA stands for Individual Coverage Health Reimbursement Arrangement. It’s a type of employer-funded health benefit that started in 2020 as a way to give businesses more flexibility in offering health coverage.
How it Works
- Instead of providing a traditional group health insurance plan, an employer gives employees a set monthly allowance of tax-free money.
- Employees then use that money to buy their own individual health insurance (on the Marketplace or directly from an insurer) or to get reimbursed for qualified medical expenses.
- Employers decide:
- How much to contribute
- Which employee classes are eligible (e.g., full-time, part-time, seasonal, salaried, hourly)
- Employees must be enrolled in individual health insurance (or Medicare) to participate.
What types of benefits are included in group plans?
Employer group health plans can include a wide range of benefits, depending on what the employer chooses to offer and what’s required by law.
Here’s a breakdown:
Core Health Benefits (usually included)
- Medical insurance (doctor visits, hospital care, preventive care, maternity, mental health, etc.)
- Prescription drug coverage
- Preventive services (like screenings and vaccines, often covered with no cost-sharing under ACA rules)
Common Supplemental Health Benefits
- Dental insurance
- Vision insurance
- Hearing coverage
Financial Protection Benefits
- Life insurance
- Disability insurance
- Short-term disability (covers income for weeks to months)
- Long-term disability (covers years, often to retirement age)
- Accident, critical illness, and hospital indemnity plans (supplemental cash benefits for specific events)
- Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) (tax-advantaged accounts for medical expenses)
