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findgrouphealth.com

For employers & small businesses

Group coverage your team can actually afford

For businesses with 2–50 employees: compare level-funded and traditional small-group plans in plain English, with a licensed agent handling the hard parts.

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The decision that matters

Level-funded vs. traditional, honestly compared

Comparison of traditional small-group and level-funded health plans
Traditional small groupLevel-funded
Monthly costFixed premium, community-ratedOften lower for healthy teams
Money back in good yearsNoYes — surplus refund potential
Rate stabilityAnnual increases commonClaims experience matters
Best forPredictability at any health profileSmall, generally healthy teams

General education, not advice for your specific situation — a licensed agent reviews your census before recommending either model. FindGroupHealth is not a PEO and does not co-employ your workers.

Why level-funded is having a moment

Among small firms offering coverage, level-funded adoption has climbed from roughly 7% in 2019 to about 37% in 2025 (KFF Employer Health Benefits Survey) — the fastest-growing corner of the small-group market. It's popular for a reason, but it isn't right for every team, which is why we always show it next to the alternatives.

A third path: ICHRA

With an Individual Coverage HRA, you set a fixed monthly allowance and each employee buys their own individual plan with pre-tax dollars — no group plan to manage, fully legal today, and increasingly incentivized by state tax credits. For some teams it beats both columns above. Ask about it in your quote and we'll compare all three.

What working with us looks like

Four steps, one accountable human

  1. 1. Share your census

    Employee count, ages, and ZIP codes — that's all we need to start. No health questionnaires up front.

  2. 2. Compare funding models

    Level-funded vs. traditional small-group, side by side with real numbers and an honest read on the tradeoffs.

  3. 3. Enroll with a licensed agent

    Group enrollment has real complexity, so a licensed agent walks you through by phone or video — no call centers.

  4. 4. Renew without the scramble

    We monitor your renewal and re-shop the market each year so increases never blindside you.

Planning ahead: association options

If federal legislation expanding Association Health Plans passes, businesses organized in FindGroupHealth groups will be positioned to explore pooled group coverage first. Until then, the options above are what's real — and we'll never sell you on what isn't.

  • No PEO co-employment obligations
  • No long-term contracts to use the marketplace
  • Licensed agent of record named on every proposal

Get your team covered

Share a few details about your business and compare level-funded and small-group options with licensed help — free and without obligation.

Get an employer quoteHow it works