Many small businesses assume that offering health insurance is out of reach. But in reality, there are more flexible, affordable options than ever.

Here’s what small businesses should know:

• You Don’t Need 50 Employees: In California, businesses with as few as one W-2 employee may qualify for group coverage.

• Covered California for Small Business (CCSB): Offers group plans with access to tax credits.

• Level-Funded Plans: For groups with 5+ employees, these offer premium stability and potential refunds.

• Voluntary Benefits: You can start small with dental, vision, life, or disability—all with no employer contribution required.

We’ll help you evaluate what’s realistic for your budget while still giving your team access to meaningful benefits. It's not about being big—it's about being smart.