Group Health for Businesses
Retain your team with group health benefits
Offering health coverage retains talent and, in many cases, is a deductible business expense. We evaluate your team size, budget, and your state's options, and quote multiple carriers for you. The consultation is free.
50
states where we quote your group plan
$0
the consultation and the quote
<25
employees: your business may qualify for a health tax credit (IRS)
What it costs to skip benefits
When a business offers no health coverage, the cost doesn't vanish: it shifts to turnover and the struggle to hire.
- An employee with family coverage stays; one without it looks for somewhere that offers it.
- Replacing and retraining staff costs time and money, often more than the benefit itself.
- A stable team serves your customers better and grows the business.
What does it cost you today to lose a good employee for lack of benefits?
We don't promise figures: we quote your real case and you decide with the numbers in hand.
What is a group health plan for businesses?
It's the health coverage a business offers its employees as a benefit. Instead of each person shopping alone, the company chooses a plan for the group and sets how much the business contributes and how much the employee pays. For the owner it's a tool to attract and keep good people; for the team, peace of mind for their family.
There are two main paths: the small-business group marketplace (ACA/SHOP), with guaranteed essential coverage, and private group plans (for example, level-funded structures) that offer more design and cost flexibility. There's no single answer: the right fit depends on team size, ages, budget, and your state.
At Latin Prime we're the agency that does the work for you: we compare options from several established carriers, explain each one in plain language, and support your team's enrollment. Carrier names and specific numbers we review together in the consultation, once we know exactly what your business needs.
Group ACA/SHOP vs. private group plan
It's not better versus worse: two different paths for different needs.
Which one fits depends on your team's size, ages, and budget. In the consultation we compare both honestly, with no pressure.
How we do it
A short process, in your language, with no cost to quote.
Initial assessment (free)
We review your team size, budget, and what you want to offer. No obligation.
Comparative quotes
We compare several carriers and present clear options, with what each one covers.
Presentation to owner and team
We explain the chosen plan in plain language, so each employee understands their benefit.
Enrollment and annual renewal
We enroll your team and support you each year at renewal and with any changes.
What it gives your business
- Talent retention: a health benefit is one of the strongest reasons a good employee stays.
- Tax advantage: company contributions are generally a deductible business expense, and small groups may qualify for a health tax credit. Confirm it with your accountant.
- The owner is covered too: in many cases you and your family participate as part of the group, with rules different from an individual ACA plan.
- We compare multiple carriers: we're not tied to any one; we look for the design that fits your budget.
- Everything in your language: we explain the plan and enroll your team in Spanish (or English), without jargon.
- You can add group dental, vision, and life, plus voluntary employee-paid benefits.
Let's be clear: what to keep in mind
- Many group plans require a minimum team participation and a minimum employer contribution to the premium. We review this per carrier.
- Tax rules (deduction and credit) depend on your situation; always confirm them with your accountant or CPA. This content is not tax advice.
- Availability, benefits, and costs vary by state, carrier, and group size.
- We coordinate compliance with applicable rules (ACA, DOL, ERISA where relevant); there's no one-size-fits-all.
Myths that hold owners back
Let's clear up what's most misunderstood about group health.
My business is too small to offer group health.
There are options built for small groups. The real minimum varies by carrier and state, and we confirm it in the consultation.
Offering benefits is a cost I never recover.
Company contributions are generally deductible as a business expense, and some small groups qualify for a tax credit. Confirm it with your accountant.
As the owner I can't be on my own company's plan.
In many cases the owner and family participate as part of the group, with rules different from an individual ACA plan.
Is it right for your business?
It makes sense if...
- You have employees and want to keep the good ones with a real benefit.
- You want to offer health coverage and tap a possible tax advantage along the way.
- You're looking for coverage for yourself as the owner and your family, plus your team.
- Your team is mostly Spanish-speaking and needs the plan explained clearly.
Maybe not yet if...
- You work alone, with no employees: an individual or ACA plan usually fits better.
- You only need personal coverage (see our individual health plans).
- You're not ready yet to contribute part of your team's premium.
- You'd rather wait; remember the assessment and quote are free whenever you decide.
Free consultation
Talk to an advisor, free and in your language
Leave your info and a licensed advisor will contact you to review your options. No obligation.
- 100% free consultation, no obligation
- We help you in Spanish or English
- ITIN accepted — no Social Security number needed
- We reply within 24 hours
Tell us your case
Fill out the form and we will contact you for your free consultation.
Frequently asked questions
How many employees do I need to qualify as a group?
It depends on the carrier and the state. There are options designed for small groups; we confirm the exact minimum in the consultation based on your case.
As the owner, am I required to offer health coverage?
Large employers (generally 50 or more full-time employees) are subject to the employer mandate under the health law. Small businesses aren't required to, but many offer it to retain talent and for the tax advantage.
Should I go with group ACA/SHOP or a private group plan?
It depends on your team's size, ages, and budget. In the consultation we compare both paths and tell you honestly which fits your business best.
How much does a group health plan cost?
There's no single price: it depends on group size, ages, state, plan design, and how much the company contributes. That's why we quote your real case without inventing figures, and the quote is free.
What documents do I need to get a quote?
Usually basic company info (like the EIN) and a list of eligible employees with their ages. We tell you exactly what's needed at first contact.
Can I include dental, vision, and life for my team?
Yes. Beyond the health plan you can add group dental, group vision, and group life, plus voluntary employee-paid benefits. We build the package around what you want to offer.
I already have a broker or a plan; can I switch to you?
Yes. In many cases the account can be transferred as broker of record without changing the plan right away. We review it and tell you what's best for your business.
Is the whole process in Spanish?
Yes. We handle the quote, the team presentation, and enrollment in Spanish, and in English if you prefer. The goal is for every employee to fully understand their benefit.
Educational content; not insurance, tax, or legal advice. Availability, benefits, costs, participation requirements, and tax rules (deductions, the small-business health care tax credit, and the employer mandate) vary by state, carrier, and group size, and are subject to applicable law (ACA, DOL, ERISA where relevant) and each carrier's underwriting. Confirm tax rules with your accountant or CPA. Latin Prime Financial Group is an independent insurance agency serving Latino families and businesses in the U.S.
Ready to quote your team's benefits?
Free and in your language: we review your business, compare options, and give you clear numbers to decide.