PlansForSmallBusiness

Health insurance with 10 to 24 employees

What a business with 10 to 24 employees does about health insurance in 2027: the structures that fit, the Form 8941 credit zone, participation, and the.

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The credit zone: the Form 8941 credit shrinks from 10 FTEs toward 25 and from half the wage limit toward the limit, so a group plan bought through SHOP can still carry real money for two years if pay is modest. Participation is usually reachable. An ICHRA competes when the team is spread out or the group quote is high.

Start with your ZIP and your headcount, not with a plan name

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.

Takes about 30 seconds. No account, and you choose how you are reached.

“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.”
Mark T., client

The checklist at this size

  1. Count full-time equivalents the IRS way (hours of everyone except owners and family, divided by 2,080).
  2. Average the wages of those employees; compare with $33,500 and $67,000 (2025 Form 8941 figures).
  3. Map where staff live; a team in one metro and a team in four states point to different structures.
  4. Price a group plan, an ICHRA and a QSEHRA for the same list; the ZIP box above starts that with a licensed agent.
  5. Decide the owner’s own coverage separately, by entity.