Access Insurance From Top Providers
As a small business owner, providing health insurance for your employees is one of the best investments you can make. Offering health benefits not only helps attract and retain top talent but also keeps your workforce healthy, productive, and secure. However, navigating the world of small business health insurance can be overwhelming, with various plan options, regulations, and costs to consider.
At Simbia, we simplify the process by helping small businesses find affordable, high-quality health insurance plans tailored to their needs. Whether you have just a few employees or a growing team, we’ll guide you to the best coverage options that keep both your budget and your employees' well-being in mind.
Get Started!
Providing health insurance is more than just an employee benefit—it’s a strategic advantage for your business. Here’s why offering small business health insurance is important:
Employees value health insurance benefits, and offering a competitive health plan makes your company more appealing to job seekers while improving employee retention.
Healthy employees are more focused, engaged, and productive. With access to preventive care and medical services, your team can avoid prolonged illnesses and absenteeism.
Small businesses that offer health insurance may qualify for tax deductions and credits, including the Small Business Health Care Tax Credit, which can cover up to 50% of employer-paid premiums for qualifying businesses.
Group health plans often offer lower premiums per employee than individual plans, making coverage more affordable for both your business and your workers.
Depending on your state and the size of your business, offering health insurance can help you stay compliant with regulations while positioning your company as a competitive employer.
As a small business owner, you have several options when it comes to providing health coverage. The right plan depends on your budget, company size, and employee needs.
Small group health plans are designed for businesses with 2 to 50 employees (or up to 100 employees in some states). These plans:
A Health Reimbursement Arrangement (HRA) allows employers to reimburse employees for health insurance premiums rather than providing a traditional group plan.
Association Health Plans allow small businesses to join together to purchase coverage as a larger group, often leading to lower premiums and better benefits.
Self-funded plans allow employers to pay for employee health claims directly, instead of purchasing a traditional insurance policy. Level-funded plans combine self-funding with predictable monthly payments to reduce risk
Your zip code helps to identify your location and can assist in providing you with a personalized experience.
It is important to provide accurate and complete information to ensure that your request is processed in a timely and efficient manner.
It is important to double-check your information before hitting submit to ensure that your zip code is accurate.
The cost of small business health insurance depends on several factors, including the number of employees, coverage level, location, and employer contributions. Here’s what to expect:
Unlike individual ACA plans, small business health insurance is available year-round, meaning you can start offering coverage at any time. However, there are key enrollment guidelines to consider:
Most small business health insurance plans allow year-round enrollment, but some carriers may have specific deadlines.
Employees who join your company typically have 30-60 days to enroll in a group health plan.
Businesses can renew, change, or update their health plans annually. Reviewing your options each year ensures you’re still getting the best coverage at the best price.
At Simbia, we make finding affordable small business health insurance simple and stress-free. Here’s how we help:
We gather quotes from top insurance providers so you can compare coverage options and find the best plan for your team.
We identify tax credits and cost-saving strategies to help you get the most value from your health insurance plan.
Every business is unique, and we tailor coverage recommendations based on your budget, employee needs, and long-term goals
We simplify the enrollment process, assist with renewals, and provide ongoing support to ensure your business gets the best coverage year after year.
Offering health insurance is an investment in your employees, your company, and your future. At Simbia, we make it easy for small businesses to find affordable, high-quality health plans that fit their needs and budget.
At Simbia, we’re committed to helping small businesses provide affordable, reliable, and top-quality health insurance. Let’s find the perfect plan for your company!
Your insurance should not only fit your budget, but it should also give you as much coverage and offer flexible payment terms. It is rather hard to find plans that offer all of those. With us, we are going to make sure you get the best coverage at the best price.
Similar to when you shop online or otherwise, you always have options and it's you who's going to make the final call. It is advised to do some research and read through the agreement prior to signing the papers. Note that health insurance is not a simple purchase, but it's a commitment to your health and your family's health.
Be wise and always keep your options open. There are plenty of options and offerings out there. Be diligent, compare the terms and prices, ask your family and friends if they have some good recommendations. If possible, discuss with a licensed healthcare agent to make sure you get the best deals.
There are tons of health insurance agencies and networks who would want to do business with you. It is advised to go with reputable ones, to make sure you get the most out of your investment and that you won’t get ripped off.