Health insurance for engineering and architecture firms in 2027: who can be covered, which structure fits the payroll, the Form 8941 credit, the owner's plan.
Prefer to talk? Call (713) 575-9904
Licensed Agents in 31 States · NPN #22052447
Typical shape: principals plus licensed staff and drafters.
Pay above the 8941 limit; the choice is group plan versus ICHRA on recruiting and multi-state grounds. Principals in an S corporation through Box 1; partners as guaranteed payments.
A group quote, an ICHRA costing and the owner’s own plan all start from the same census: who is on payroll, their ages and home counties. Enter your ZIP and a licensed agent runs all four routes for your business, free.
★★★★★
“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
Group plans, ICHRAs and QSEHRAs cover W-2 employees who meet the hours rule; owners follow their entity’s rules and 1099 contractors are outside every structure (why). Part-timers under the hours threshold are usually outside a group plan but can be a class under an ICHRA (part-time and seasonal staff).
BLS national medians for the roles on this kind of payroll (May 2024, employees): industrial engineers $98,830 (over the Form 8941 wage limit); architects, except landscape and naval $85,770 (over the Form 8941 wage limit). Owners and their family members are left out of the average. The Form 8941 credit pays up to 50% of the employer’s premium share for two years when a business has fewer than 25 full-time equivalents and average wages under $67,000 (2025 figure; full credit at or under $33,500 and 10 FTEs), through a SHOP plan. The table shows the approximate rate for any headcount and wage.
An ICHRA or QSEHRA allowance is spent on the individual market in each employee’s county. For 2027 the median Silver premium for a 40-year-old runs from $604 in Iowa to $1,254 in West Virginia across the 24 states on this site, and in 11 of them no marketplace plan is a PPO (Indiana, Iowa, Kansas, Mississippi, Missouri, Nebraska, Ohio, South Carolina, Tennessee, Texas, Utah), which matters for staff who travel for the business. State by state.
Separate from the team’s: a sole proprietor or disregarded LLC deducts premiums above the line up to net profit; an S-corp owner runs the premium through Box 1 of the W-2; partners take it as guaranteed payments; none of them can take an HRA reimbursement tax-free. By entity type, and in full on Plans For 1099.