Start with the owner
If the business depends on you, your health and income are the first things to protect. That usually means an individual or family health plan chosen for your doctors and prescriptions, a disability policy sized to what you actually take home, and life insurance for the people and loans that depend on you. Dagan can review all three in one conversation.
Then the team
Once you have employees, the question becomes whether a group plan makes sense yet. Teams of 3 to 5 often compare individual plans with a micro-group plan. From 6 to 49 employees, small-group rules generally apply. At 50 or more full-time and full-time-equivalent employees, ACA employer requirements may apply. Dagan compares the options for your actual headcount and explains what changes at each step. See group health insurance by company size.
A broker who stays as you grow
The plan that fits a five-person shop rarely fits a twenty-five-person one. Dagan works as a long-term broker and reviews your coverage again as the business moves into a new size band, so benefits keep up with hiring instead of lagging behind it.
Coverage that usually comes up
- Health insurance: Your own individual or family plan.
- Group health insurance: Benefits for the team, by company size.
- Disability insurance: Income protection for the person the business depends on.
- Life insurance: Coverage for the family and for business loans.
Plan availability, benefits and costs vary by carrier, county and plan year.