No Group Minimum
A publication of The Benefits Desk

Your Business Qualifies for Health Benefits. Even With One Employee.

The rule that kept small businesses out of the benefits market is gone. Here's what that means for your team — and your bottom line.

See What Benefits Cost Your Business →
1+
employees needed
$2/day
per employee to start
$0
admin burden on employer
1M+
providers in network
What Is No Group Minimum?

Most Small Business Owners Don't Know This Changed

For decades, the group health insurance market required employers to have a minimum number of full-time employees — and a minimum participation rate among those employees — before they could offer coverage. For most small businesses, that meant no benefits at all.

That model has broken down. Today, a business with one employee can offer real health coverage to their team. No group minimum. No participation requirements. Same access to quality plans that large corporations have offered for years.

Most small business owners still don't know this. We cover it.

Find Out What It Costs for Your Business

Get a no-pressure look at what employee health benefits would cost a business your size. Most employers are surprised by what's actually available.

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Latest Coverage

From The Benefits Desk

Cost & Affordability
Small Business Health Insurance Costs Hit a Record High. Here's What Most Owners Don't Know.
Family premiums reached $26,993 in 2025 — a 6% jump that outpaced wages and inflation. For small business owners, the numbers are even worse. But there's an alternative most aren't using.
By Marcus Reid · The Benefits Desk
Getting Started
How a Business With 3 Employees Can Offer Health Benefits Starting This Week
Step by step, no jargon. Here's exactly how a small employer sets up real health coverage for a small team — without a broker, without a minimum, and without the runaround.
By Marcus Reid · The Benefits Desk
How It Works
No Group Minimum Health Insurance: What It Means and How Small Businesses Use It
The term sounds like fine print. It isn't. No group minimum is the reason a 3-person accounting firm, a solo contractor, or a 15-person agency can now offer benefits they never could before.
By Marcus Reid · The Benefits Desk
Why This Matters Now

Health Insurance Costs Are Rising. The Old Excuses Don't Hold.

A 2025 survey by KFF found that family health coverage now costs an average of $26,993 per year — up 6% from the year before. For small business workers, it's worse: they contribute $8,889 more toward family premiums than employees at large companies, and face deductibles twice as high.

The employee retention math is shifting. Workers at small businesses are increasingly choosing employers who offer benefits — even partial benefits — over those who offer nothing. The cost of not offering benefits is becoming measurable in turnover, recruiting, and the quality of candidates who say yes.

The no-group-minimum model exists specifically to solve this problem for businesses that assumed they were too small to participate. They're not.

Ready to See What's Available?

A quick conversation with a benefits advisor will show you exactly what your team can access and what it costs. No obligation.

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