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Participation
Insurance
2-50 employees · all major carriers
Get small group health insurance. All major carriers, free comparison.
Small group health insurance (2-50 employees) gives your team affordable health coverage and you a tax-advantaged way to compete for talent. The market splits between full-replacement (PPO, HMO networks from Aetna, Cigna, BCBS, UnitedHealthcare) and ICHRA (Individual Coverage HRA - reimburse employees who buy their own marketplace plans). We compare both paths.
How it works
How we handle Group Health, end-to-end.
Small group health insurance (2-50 employees) gives your team affordable health coverage and you a tax-advantaged way to compete for talent.
1
Census + budget
We collect your employee census (ages, dependents, locations) and your contribution budget per employee. Drives plan design and carrier matching.
2
Quote comparison
All major carriers quoted simultaneously: Aetna, Cigna, BCBS plans for your state, UnitedHealthcare, Humana. Plus ICHRA option as alternative.
3
Plan design
Multiple plans per carrier (HMO, PPO, HDHP). Employee choice or single-plan offering. Contribution strategy (percentage of premium, dollar amount, dependent treatment).
4
Bind + enrollment
Bind chosen carrier. Open enrollment for employees (typically 30 days). Coverage starts on selected effective date.
What we'll set up for you
A clean handoff, in four steps.
You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.
01 · Name + Brand
A name that's actually available.
Real-time check against the state register, USPTO trademark database, and matching domains.
02 · State filing
Filed with the Secretary of State.
We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.
03 · Federal IDs
EIN + the right tax setup.
Federal Employer ID with the IRS, plus state tax accounts when your business needs them.
04 · Stay compliant
Registered Agent + deadline tracking.
Your agent on file in every state, with every renewal and annual report tracked in one calendar.
Pricing
Transparent group health pricing.
Government fees pass through at cost. No upsells.
Traditional group
$0
Aetna, Cigna, BCBS, UHC compared.
Quote from all major medical carriers. Employer typically pays 50-75% of premium, employees pay the rest pre-tax. Premium varies widely by group ages, locations, and plan design.
Get startedICHRA setup
$0
Individual Coverage HRA alternative.
Employer reimburses employees for marketplace plans (within ICHRA rules). Predictable employer cost. Employee picks their own plan. We help with ICHRA design and compliance.
Get startedTotal benefits broker
$0
Health + dental + vision + life + disability.
We act as full benefits broker: medical, dental, vision, group life, short-term and long-term disability. Coordinated renewals and enrollment.
Get started FAQ
About the Small Group Health Insurance Service.
How many employees do I need to offer group health?
Minimum is typically 2 enrolling employees (some carriers require 1+ in some states). 50+ employees triggers ACA employer mandate (must offer coverage or pay penalty). 2-50 is the small group market.
What does it cost?
Average employer cost is $7,000-$9,000/year per employee for medical, plus $2,000-$3,000 for dependents. Varies widely by location (high-cost states like NY, CA, MA cost more) and group demographics (older groups cost more).
What is ICHRA?
Individual Coverage HRA. Employer reimburses employees for marketplace plans within IRS rules. Alternative to group health. Pros: predictable cost, employee flexibility. Cons: loses group bargaining, more complex compliance.
Can I require my employees to take coverage?
No. Employees can decline (they may have spouse coverage or want to buy individual). Carriers typically require 70-75% participation among eligible employees, so high decline rates can affect group qualification.
Do I have to pay for dependent coverage?
Common structure: employer pays a high percentage of employee-only premium (75-100%) and a lower percentage of dependent premium (0-50%). ACA requires offer of dependent coverage at 50+ employees but not employer payment for dependents.
What is open enrollment?
Annual period when employees can enroll, change, or drop coverage. Typically 30 days before the plan year starts. Outside open enrollment, employees can only change with qualifying life events (marriage, birth, job change).
Bundle & save
Recommended add-ons
Most customers add these to keep their business compliant year-round.
Why File.Business
Premium compliance, no service-fee markup.
Trust you can verify
SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.
A compliance partner, not a transaction
Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.
Premium experience competitors cannot match
Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.