PlansForSmallBusiness

Health insurance with 50 or more full-time equivalents

What a business with 50 or more full-time equivalents does about health insurance in 2027: the structures that fit, the Form 8941 credit zone, participation.

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The employer mandate applies: offer coverage to full-time employees and their children or face a penalty, and the group moves to the large-group market and its own reporting (Forms 1094-C/1095-C). This site stops at 50; a licensed agent still places the coverage, with a benefits administrator for the reporting.

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.