Offering Health Coverage
Small-group plans, the SHOP Marketplace, HRAs and the small business tax credit.
Small-Group Health Insurance: How It Works for Small Employers
Who counts as a small employer, the federal protections that come with insured small-group plans, participation rules and the key plan design choices you make.
Read · 6 min read →Offering Health CoverageThe SHOP Marketplace: Eligibility, Enrollment and Renewal
How the Small Business Health Options Program works: the four eligibility tests, enrolling through an insurer or registered broker, multiple locations and renewal.
Read · 6 min read →Offering Health CoverageHRAs for Small Employers: QSEHRA and CHOICE Arrangements Explained
How QSEHRAs and CHOICE Arrangements (formerly ICHRAs) reimburse individual coverage tax-free, with 2026 limits, notice rules and effects on premium tax credits.
Read · 7 min read →Offering Health CoverageSmall Business Health Care Tax Credit: Who Qualifies and How
Who qualifies for the federal Small Business Health Care Tax Credit, how the 2025 IRS limits and phaseouts work, and how to claim it on Form 8941.
Read · 6 min read →Offering Health CoverageLevel-Funded and Self-Funded Plans: What Small Employers Take On
A plain explanation of fully insured, self-funded and level-funded health plans, how their regulation differs, and what to ask before a small business switches.
Read · 7 min read →Offering Health CoverageChoosing a Benefits Broker: Licenses, Pay and Questions to Ask
How to check a benefits broker's license, understand how they are paid and what federal law requires them to disclose, and compare advisors fairly.
Read · 6 min read →