Small Group Health Insurance Options
Tailored Health Benefit Strategies for Your Small Business
Health insurance rates continue to rise in 2026. Small group employers may see double digit rate increases for the second year in a row. With this environment in mind, we thought it might be helpful to review all the options our office can offer, before the renewal season starts.
The choice you make impacts your budget, your employees' well-being, and your company's ability to attract and retain talent. The attached summary highlights the primary options available to small employers, evaluating each based on cost, risk, flexibility, and administrative needs. Our goal is to help you determine the best-fit strategy for your organization’s unique requirements. It is worth noting that we now represent over a dozen PEO products and can greatly simplify comparing these various options.
Decision Considerations
To choose the optimal health insurance strategy for your company, consider the following factors that are outlined on the attached sheet:
Group size and anticipated growth: Larger groups may benefit from broader options.
Budget and cost predictability: Fixed costs may be preferable for financial stability.
Risk tolerance: How much financial risk is your company willing to assume?
Employee demographics and preferences: Tailoring benefits to your workforce can improve satisfaction.
Administrative capacity: Consider your ability to manage plan administration or desire to outsource.
Click the button below to view the health insurance comparisons summary:
Contact Us
For further consultation or to begin your benefits evaluation, contact Peters & Milam today through our website form, emailing info@petersmilam.com, or calling (805) 687-3225. We look forward to partnering with you to create a comprehensive, competitive health benefits package for your organization.