Small Group Health Insurance: Big Company Benefits

Laurie Aldrich • September 9, 2025

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Many small business owners assume health insurance is out of reach—or that their only options are costly, cookie-cutter plans from major insurance companies. At Biz Minders, we want you to know there’s a better way with custom group health plans.

You Only Need 2 People to Qualify

Small group health insurance is available with as few as two employees. That means you don’t need a large payroll to take advantage of affordable, high-quality coverage. (Note: Some carriers allow 1099 employees to count toward this minimum, while others require W-2 employees. We’ll help you sort out what applies to your situation.)

Self-Insured Plans, Simplified

Most people think “self-insured” means you’re on the hook for every medical bill. That’s not the case. Here’s how it really works:

  • You control the plan – benefits are customizable to fit your business.
    Every doctor is in-network     – no restrictive lists or switching providers.
  • Costs are more affordable – you’re not paying for the overhead of big insurance companies.

And here’s the key: these plans include stop-loss (stop-gap) coverage. That means if a major medical event happens, the plan has built-in protection. Your business isn’t exposed to unlimited risk—coverage kicks in to protect you, just like it does for Fortune 500 employers.

Just Like the Big Employers

Large corporations have long relied on self-funded health plans with stop-loss protection. The difference is that now, with the right structure, small businesses can access the very same kind of coverage. You can offer your team a plan with the strength, flexibility, and protection of the “big boys”—without the massive overhead.

Why Act Now

Most health insurance plans renew late in the year, and waiting could lock you into another 12 months of high costs and limited options. Now is the time to explore your alternatives and make a smart move for your business.

Next Steps with Biz Minders

Getting started is simple:

 

  1. Fill out our short interest form and we’ll quickly follow up with details tailored to your business.
  2. Or book a free consultation with Biz Minders to review your options and design the right plan for your team.

 

At Biz Minders, we believe small businesses deserve big-business benefits. Let us show you how to protect your people and your bottom line with customizable, affordable health insurance solutions.

Compliance regulations and requirements are subject to change. While we strive to provide accurate and up-to-date information, this blog is for informational purposes only and does not constitute legal, financial, or tax advice. 

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