Health insurance for your team. A clearer place to start.
For businesses with 5–50 employees: compare the employer cost, employee contribution, and coverage tradeoffs before you commit. Start with your state, team size, and renewal or target date—not employee records.
A 15-minute phone consultation. Start with your questions, not paperwork.
A practical review for small employers.
This page is designed for business owners considering coverage for themselves and their employees, including companies approaching a renewal or offering health insurance for the first time.
Offering benefits for the first time
Start with team size, budget, participation, and the type of support your company can realistically manage.
Reviewing current coverage
Bring the renewal questions that matter: total cost, employee contribution, plan access, and administration.
Covering owners and small teams
We can help identify which personal or business coverage path is relevant before you spend time comparing plans.
The premium is only one part of the decision.
When reviewing small business group health insurance, compare what the business will pay, what employees will contribute, and what the coverage actually includes. Put the current plan and each proposed option side by side using the same effective date and coverage tiers. Ask for the Summary of Benefits and Coverage, plan documents, provider directory, and prescription drug list for each option before deciding.
Team and participation
Who needs coverage, where they work, and how the company expects to contribute.
Access and plan design
Check provider networks, prescription coverage, deductibles, and out-of-pocket costs in the current plan documents—not just the monthly premium.
Budget and administration
What the company can sustain and what the enrollment and renewal process will require.
A short path to a clearer decision.
We gather the basics first. If supporting information is needed later, we will tell you how to provide it securely.
Share the basics
Team size, location, current coverage, and what prompted the review.
Set priorities
Clarify budget, access, employee needs, and timing.
Review the paths
Compare the relevant options and understand the tradeoffs.
Choose the next step
Move forward only when the option and process make sense.
Tell us about your business.
A few details are enough to begin. We will follow up with the next useful question.
Send the essentials
Use this form to start the conversation. Please do not include medical information, Social Security numbers, employee lists, or payroll documents. This is an inquiry, not an application for coverage.
A clearer place to start.
We can sort through the specifics in a focused conversation.
Is 5–50 employees a fixed eligibility rule?
No. It is the primary audience for this page, not a promise of eligibility. Available paths depend on location, company structure, participation, underwriting, and program requirements.
Is this the supplemental benefits program?
No. This page is about small-business health insurance. Supplemental employee benefits for employers with 5+ employees are evaluated separately and do not replace major medical coverage. A PEO is a separate workforce-services decision.
Will we have to change plans?
A review is not a commitment to switch. Compare your current plan and renewal terms with any available alternatives before deciding.
What should we have ready for a first conversation?
Start with your business location, approximate team size, whether you already offer coverage, and your renewal or desired start date. Note your main concern: company cost, employee contributions, provider access, or administration. Do not send employee lists, medical details, or payroll documents through the contact form or ordinary email. If documents are needed later, ask how to share them securely.
Do we need to know which plan we want?
No. Start with the business facts and your priorities. The purpose of the review is to identify the relevant paths.
Can Coverage Babe help a self-employed owner?
Yes. The right starting point may be personal coverage or a business option, depending on the situation.
Should we send employee medical information?
No. Do not use this form or ordinary email to send medical information or payroll documents. If supporting information is needed, Coverage Babe will provide instructions.