Small Business & Group Plans - Care Connect Agency

BUSINESS COVERAGE

Empower Your Team with Top-Tier Group Health Plans

Group Health Coverage for Your Business
Whether your company has 2 employees or 500+, we help businesses compare group health coverage options — from traditional employer-sponsored plans to modern reimbursement arrangements — tailored to your budget and workforce needs.

Get a Group Quote

Small businesses may qualify for the Small Business Health Care Tax Credit (SHOP). Eligibility and credit amounts depend on business size, average wages, and other factors.

2-500+ | Employee Plans

Flexible Group Health Solutions

From traditional employer-sponsored policies to modern tax-free reimbursement models, we help you find the exact fit for your business structure.

Traditional Group Policies

Classic employer-sponsored coverage where you select the master plan and share premium costs with your employees.

Premium HMO & PPO networks available

Complete employer control over plan design

Predictable monthly costs and renewals

Employer premium contributions are typically tax-deductible

Certain small businesses may qualify for the Small Business Health Care Tax Credit (SHOP) — eligibility requirements apply

Get a Quote

ICHRA

Individual Coverage HRA allows you to reimburse your employees tax-free for the individual health insurance plans they choose themselves.

Employees select their preferred plans

No minimum or maximum contribution limits

Tax-free reimbursements for your team

Zero minimum participation requirements

Scales flawlessly with any group size

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QSEHRA

Qualified Small Employer HRA designed specifically for small businesses (under 50 employees) that want to offer benefits without a group plan.

Streamlined, simple setup and management

Set a strict, fixed monthly allowance

Annual reimbursement limits apply (IRS-indexed — verify current year limits at IRS.gov)

Tax-free for both employer and employee

No master group policy required

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Plan Comparison

Understanding Your Options: HRA vs HSA vs FSA

These tax-advantaged accounts help your employees pay for healthcare, but they function very differently. Here is how they compare side-by-side.

Feature	HRA	HSA	FSA
Who funds it?	Employer only	Both	Both
Requires HDHP?	No	Yes	No
Funds roll over?	Employer decides	Always	$640 max
Portable (employee keeps)?	Usually no	Yes	No
Tax-free contributions?	Yes	Yes	Yes
Best for employers who want...	Control & flexibility	Employee ownership	Simplicity

Not sure which is right for your business? Talk to a benefits advisor — it's free.

The Business Case for Employee Benefits

Health insurance isn't just a perk — it's a strategic investment in your team's well-being and your company's long-term success.

Attract Top Talent

Over 56% of workers say health benefits are a key factor when evaluating a job offer. Stand out in a competitive hiring market and secure the best candidates in your industry.

Retain Your Team

Employees with access to health benefits are significantly more likely to stay with their employer long-term, helping reduce turnover and recruitment costs.

Maximize Tax Advantages

Employer premium contributions are typically tax-deductible, and certain small businesses may qualify for the Small Business Health Care Tax Credit (SHOP) — potentially covering a portion of premiums paid. Eligibility requirements apply.

Support Employee Well-Being

Access to health coverage encourages preventive care, which can help employees maintain their health and reduce the impact of unexpected medical issues on your workforce.

Benefit plans and reimbursement arrangements are subject to eligibility requirements, carrier availability, and applicable federal and state regulations. Contribution limits and tax treatment may vary based on employer size and plan design. Care Connect Agency does not provide tax or legal advice. Consult a qualified tax or legal professional regarding your specific situation.