Unlock Better Health Insurance with a Small Group Plan Through Your LLC

Today, we’re diving into an often-overlooked opportunity for small business owners and the self-employed: setting up a small group health insurance plan through your LLC.

If you’re running a business—whether solo, with your spouse, or a few part-time employees—this could be a game-changer for your healthcare access and flexibility.

Small Business Owners: You Can Get Group Health Insurance

Most people think that group health insurance is only for large companies. But the truth is, even if you’re a small business with just two people—like a husband and wife team—you may qualify for a small employer group plan.

Here’s how it works:

• If you’re filing as an LLC, and you have at least one owner and one W-2 employee (even if that’s your spouse), you’re eligible.
• In many cases, if both spouses are on the LLC, that’s enough to qualify.
• Some plans also allow 1099 contractors to be counted, which can help you meet the requirements if you want to offer coverage to part-time or contract team members.

Why Set Up a Small Employer Plan?

You might be wondering: “Why go through the trouble of setting up a group plan when I can just buy individual health insurance?”

Here are the top reasons:

✅ PPO Options Are Available

Unlike most individual marketplace plans (which are usually HMOs or EPOs with limited networks), group plans often offer PPOs. That means more flexibility in choosing your doctors and specialists, plus out-of-network benefits.

✅ Bigger Network Access

Even if you choose an HMO through a group plan, the network is often much broader than what’s available on the individual marketplace. That means your current doctors are more likely to accept the plan—and you’ll have more choices.

✅ No Need to Wait for Open Enrollment

You can start a small group plan at any time of the year. This gives you the flexibility to switch or upgrade your coverage when it makes the most sense for your business, instead of being tied to annual enrollment deadlines.

Why You Should Start Now

With major changes expected in healthcare later this year—particularly during open enrollment—it’s smart to prepare early. That starts with setting up your LLC (if you haven’t already).

Here’s why:

• In order to set up a small employer plan, your LLC must already be active.
• Forming an LLC can take time—it involves paperwork, filing fees, and approval from your state.
• During the busy fourth quarter, processing times can drag out significantly.

If you wait until October or November to get started, you could miss your window to set up a group plan before open enrollment begins. But if you get your LLC paperwork in now, you’ll be ahead of the game and ready to explore better health insurance options this fall.

Already Have Individual Coverage? Here’s Why It Still Matters

Even if you already have an individual plan, setting up your business structure now gives you more flexibility and options later.

Health insurance plans are expected to shift in price and structure due to upcoming changes at the federal level. Having a group plan option ready to go ensures you’re not stuck with limited choices when the time comes.

Let’s Review Your Best Options

If you’re self-employed, own a small business, or are working alongside your spouse, this is the perfect time to evaluate your insurance setup. By forming an LLC and exploring a group plan, you could:

• Gain access to PPO networks
• Expand your provider choices
• Customize coverage for you and your team
• Skip the stress of open enrollment chaos

Take the First Step Today

Need help navigating the process or have questions about whether you qualify? I’m here to guide you every step of the way.

👉 Let’s chat! Schedule your free appointment at jkappconsulting.com

Let’s make sure you have the health coverage that supports both your business and your wellbeing—without the guesswork.