Small Business Group Benefits

Offering group benefits is one of the most powerful ways to attract and retain top employees — and as a business owner, group benefits provide significant tax advantages for you too.

You Only Need 1 W2 Employee

Many business owners don't realize that California allows group health benefits as long as you have at least 1 W2 employee (in addition to the owner). This opens the door to tax-advantaged group coverage for very small teams.

What We Offer

• Group Medical Insurance — Major medical plans through Blue Shield, Kaiser, Anthem, Cigna, and more
• Group Dental & Vision — Standalone or bundled
• Group Life Insurance — Basic and voluntary life
• Short-Term Disability — Income protection while recovering
• Long-Term Disability — For extended disabilities
• Section 125 / Cafeteria Plans — Allow employees to pay their share pre-tax

Tax Benefits for Employers

Employer contributions to group health premiums are tax-deductible as a business expense. Employees' share paid via Section 125 is pre-tax, reducing both the employee's and employer's payroll taxes.