Whether You have 2 or 100 Employees, We’ve Got You Covered
Small group health insurance is designed for businesses with 2 to 100 full-time employees across PA, NJ and DE. These plans give you flexibility in coverage, contributions, and carrier choice - while keeping you compliant with state and federal regulations.
First, we’ll listen to your needs, and then help you:
You get a dedicated advisor who works with you from start to finish - no automated systems, no handoffs.
What Counts as a Small Group?
To qualify as a small group in most states:
You must have 2 to 100 full-time equivalent (FTE) employees
Spouses typically don’t count toward employee total
Part-time employees may qualify if the employer contributes
You must offer coverage to all eligible W-2 employees (unless excluded by legal class)
What You Get With Small Group Plans
Every plan includes hands-on support from your advisor plus the tools you need to manage coverage with confidence.
Carrier Comparison
Side-by-side quotes from major insurers in PA, NJ, and DE.
Advisor Support
Work directly with a licensed expert who understands your needs.
Admin Help
Tools like Employee Navigator and Mineral HR, ACA forms, and enrollment support.
Optional Benefits
Add dental, vision, life, and disability with a single quote process.
Renewal Strategy
Annual review to adjust plans and control long-term costs.
Why Choose Health & Benefits Partners?
Local Experience: Deep knowledge of PA, NJ, and DE group markets
Built-In Support: We include onboarding tools and renewal guidance
Long-Term Partnership: Your advisor stays with you year after year
Transparent Advice: We help you compare options so you can choose with confidence
Designed for PA, NJ & DE Employers Like You
Small group health plans with Health & Benefits Partners are built around the realities of local employers and their teams.
- ✔Businesses in PA, NJ, or DE with 2–100 full-time employees
- ✔Companies offering health benefits for the first time
- ✔Teams moving on from a PEO, COBRA, or self-funded arrangement
- ✔Employers managing a mix of full-time, part-time, and dependent needs
- ✔Decision-makers who want clarity and support, not complexity
Small Group Health Insurance FAQ
Common questions about small group health insurance plans, eligibility, and coverage options.
What is the minimum group size for small group health insurance?
In most states, small group health insurance requires at least two eligible employees. Spouses typically do not count toward this minimum. Requirements may vary slightly by state and carrier.
Do small group health insurance plans need to be offered to all employees?
Yes. Small group health insurance plans must be offered to all eligible W-2 employees. However, employers can exclude certain legally defined classes, such as part-time or seasonal workers, depending on plan structure and state guidelines.
Can business owners be covered under a small group health insurance plan?
Yes. Business owners can be covered if they meet eligibility requirements and are actively working in the business. This includes many LLC members, partners, and corporate officers.
How does small group health insurance work for employees in multiple states?
Many carriers offer multi-state or national network plans that support employees in different locations. Your advisor will help you select a plan that ensures access to care for your entire team across states.
Can you change small group health insurance plans outside of renewal?
Yes, in some cases. If you are switching to a new insurance carrier, you can typically change plans at any time. For changes with your current carrier, a qualifying event is usually required. Your advisor will guide you through timing, options, and compliance considerations.
“Adam and his team are outstanding!”
They are creative with solutions to meet our company's needs and allow us to best service our employees. I highly recommend you set up some time to talk to him and his team.
What Small Group Clients Are Saying
Real feedback from businesses we've helped set up group coverage
I've been working with Marcy from the Health and Benefits team for three years. She has been unbelievably helpful navigating the insurance world especially as someone who had to sign up for the first time on my company's plan. She explains all of your options and plans to help you understand them and answers all your questions. She is very professional and I would recommend her to anyone who has questions about their insurance.
Adam met with our office and explained our new policies with ease! He made sure we all knew the break down of our benefits and even offered ongoing assistance if needed! Marcy was also very helpful and assisted with switching over my daughter's primary care doctor! 10/10! Would recommend!
Want to go deeper on controlling costs? See Employee Benefits Plan Design & Cost Management for how plan design and renewal strategy work together over time, or read Is It Cheaper to Use a Benefits Broker? if you're weighing the value of working with an advisor at all.
Let’s Talk About Your Group’s Coverage
Whether you have 2 employees or 100, we make health insurance straightforward, affordable, and built around your business. Our advisors are here to answer questions, compare options, and help you choose with confidence — no pressure, no jargon.
Disclosures
We are compensated by the insurance carriers for policies you choose through us. There is no direct cost to you. Compensation may vary by carrier and product. Information on this page is for educational purposes and does not constitute legal, tax, or accounting advice. Please consult your professional advisors about your specific situation. Tax treatment of ICHRA reimbursements can vary by employer and employee. We are licensed to advise clients in Pennsylvania, New Jersey, and Delaware. Contact us to confirm availability in other states.
