Employee benefits
Group Health Insurance for Small Businesses
Offer benefits your team will value at a cost your business can sustain. We design, quote and manage group plans for companies with 2 to 200+ employees.
- Teams of 2 to 200+
- Level-funded & fully insured
- Compliance support
- Licensed & independent
- 100% no-cost guidance
- 25+ years of experience
- Year-round, real-person support
Affordable, flexible group health insurance for your business
Finding the right group health plan doesn't have to be complicated. American Medical Plans helps small and mid-size businesses secure high-quality, affordable coverage for their employees — whether you're offering benefits for the first time or looking to lower the cost of an existing plan.
What is group health insurance?
Group health insurance is coverage an employer offers to employees and, often, their dependents. Because risk is spread across the group, plans typically offer better rates and broader benefits than individual coverage. Offering it protects your team, strengthens recruiting and retention, and can come with tax advantages for the business.
How we help
1. Customized plan design
We start with a free consultation to understand your team size, goals, budget and preferred features, then design a package that fits.
2. Access to top carriers
We compare plans from leading national and regional carriers so you see competitive rates without calling each one yourself.
3. Benefits that attract and retain talent
Add dental, vision, life, disability and wellness benefits to stand out in a tight labor market.
4. Compliance and regulatory support
We help keep your plan compliant with federal and state requirements, including ACA rules, reporting and documentation.
5. Employee onboarding and year-round service
We educate employees on their benefits, assist with enrollment and claims, and review your plan at every renewal.
Plan types
Group health plan options
The right funding model depends on your group's size, health and appetite for risk. We'll explain each one.
Fully insured plans
Traditional plans with fixed premiums where the carrier carries all claims risk.
Level-funded plans
Predictable monthly costs with the potential for a refund when claims run low.
Self-funded plans
The employer assumes claims risk with stop-loss protection, often saving more over time.
PPO & HMO options
Choose between flexible provider access or cost-controlled networks for your team.
Enrollment made easy
How we manage your group plan
Plan design & quotes
We assess your needs and budget, then bring detailed quotes and comparisons from multiple carriers.
Enrollment support
We onboard employees, answer their questions and provide clear plan materials.
Ongoing management
From claims to renewals and annual reviews, we stay with you all year.
FAQ
Group health insurance questions
How many employees do I need for a group health plan?
In most states a small group plan requires at least one eligible employee who is not the owner or the owner's spouse. We work with businesses from 2 employees to 200 and beyond.
How much does group health insurance cost per employee?
Costs depend on your team's ages, location, plan design, funding type and how much the employer contributes. We'll quote fully insured, level-funded and other options so you can compare real numbers.
What's the difference between level-funded and fully insured plans?
A fully insured plan has a fixed premium and the carrier carries all claims risk. A level-funded plan also has a predictable monthly cost, but if your group's claims are lower than expected you may receive a refund or credit at year-end.
What are my legal requirements under the ACA?
Employers with 50 or more full-time equivalent employees must offer affordable, minimum-value coverage or risk penalties, and must handle related IRS reporting. Smaller employers aren't required to offer coverage but may qualify for advantages when they do. We help with compliance and reporting.
Can I offer dental, vision and life insurance too?
Yes. We can bundle medical with dental, vision, life, disability and wellness benefits to create a competitive package.
Ready to offer better benefits?
Give your team the benefits they deserve — affordable, flexible and backed by real people.