Small business health insurance works by allowing the employer to purchase a group health insurance plan for their employees. The employer typically pays a portion of the premium, and the employees may also contribute. The plan may have a variety of options for coverage, such as different levels of coverage or different networks of healthcare providers. The employer may also choose to offer additional benefits such as dental or vision coverage. The specifics of the plan will depend on the insurance carrier and the options chosen by the employer. Additionally, the Affordable Care Act (ACA) has provisions to help small business provide coverage to their employees. This includes the Small Business Health Options Program (SHOP) Marketplace, which allows small businesses to purchase coverage for their employees and potentially qualify for tax credits.

Group Health + Employee Benefits

Group health insurance is a type of health insurance that is purchased by an employer for their employees. It allows employees to have access to medical care at a lower cost than if they were to purchase individual health insurance plans. Employee benefits are additional perks or compensation that an employer may offer to their employees in addition to their salary. These can include things like retirement plans, paid time off, and insurance (such as health, dental, vision, etc.). In the context of health insurance, group health insurance is a type of employee benefit that is offered by the employer to help cover the cost of medical care for their employees.


Health insurance can be complicated, as there are many different options and terms to understand. However, there are resources available to help individuals and small businesses navigate the process of selecting and purchasing health insurance.

For individuals, the government run website provides a wealth of information about the different types of health insurance plans available, as well as information about how to enroll and financial assistance. In addition, many insurance companies have customer service representatives who can answer questions and help with the enrollment process.

For small businesses, the Small Business Health Options Program (SHOP) Marketplace allows employers to purchase coverage for their employees and potentially qualify for tax credits. The SHOP marketplace can also provide small business with the assistance of experts that can guide the employer through the process of selecting and purchasing coverage.

There are also insurance brokers and agents that are licensed to help individuals and businesses find the right health insurance plan. They can provide information on the different plans available, help you compare options, and assist with the enrollment process.

Additionally, many non-profit organizations and government agencies offer free counseling and assistance to help people understand their health insurance options and enroll in a plan.

It is important to note that the health insurance landscape is constantly changing, it’s always a good idea to stay informed and seek out professional help if you have any questions or concerns.

How can Health Estimates help

Health estimates can help individuals and small businesses understand the potential cost of healthcare services and treatments. This can help them make informed decisions about their health insurance options, and budget for healthcare expenses.

Health estimates can be provided by healthcare providers, insurance companies, and online tools. Some estimates will give you an idea of the cost of specific procedures, while others will provide a more general estimate of healthcare expenses.

For example, some providers or health insurance companies will give you an estimate of how much a specific procedure or treatment will cost, taking into account any deductibles, co-pays, or out-of-pocket expenses. This can help you understand the costs associated with different health insurance plans, and make a more informed decision about which plan is right for you.

Online tools, like cost estimator tools or price transparency tools, allow you to compare prices for different procedures, treatments, or medications. They can give you an estimate of how much you may be charged for a particular service or drug, and also compare prices in your area.

In summary, Health estimates are a valuable resource for individuals and small businesses to understand the potential costs of healthcare services and treatments, and to make informed decisions about their health insurance options.