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Good people keep leaving
Employees walk to competitors that offer health coverage, and every replacement costs you time, training and lost sales.
For Pennsylvania small business owners
Group health insurance that helps you hire, keep and protect your team
Losing good people to employers with better benefits? Dreading another premium increase? In a free 30-minute plan review, Kevin Smith compares small business health insurance options from leading carriers and shows you what fits your budget before your 2027 renewal.
- Free, no-obligation review
- Helping PA businesses since 2000
- No extra cost to use a broker
Sound familiar?
The benefits problems keeping Pennsylvania owners up at night
You built the business. Now benefits decide who stays, who joins and how much you keep.
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Candidates ask "what are the benefits?"
Without a real health plan, your job offers lose to bigger companies before the interview is even over.
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Premiums jump every renewal
Employer family coverage now averages close to $27,000 a year, up about 6% in 2025 (KFF). Renewing without shopping often means paying more than you need to.
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You're getting close to 50 employees
At 50 full-time employees, including part-time equivalents, ACA employer rules and IRS penalties apply. The time to plan is before you cross the line.
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Money left on the table
Many small employers never claim the Small Business Health Care Tax Credit, worth up to 50% of the premiums they pay.
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No time to shop plans
Comparing carriers, networks and deductibles takes hours you don't have. So the renewal letter gets signed as-is, again.
Fix this before 2027: book a free review
Free. No obligation. 30 minutes with Kevin.
Why it pays for the business
Why your business needs group health insurance
Health coverage is the benefit employees ask about first. For a small business, a well-designed group plan is one of the most cost-effective ways to compete for talent.
- Hire faster. Strong benefits help small companies win candidates who would otherwise choose a larger employer.
- Keep your best people. Employees with good coverage are less likely to leave, which cuts turnover and retraining costs.
- Tax advantages. Your premium contributions are generally deductible, and eligible small employers can claim a tax credit.
- Stay compliant as you grow. Get ahead of ACA employer rules before you reach 50 full-time employees.
- You control the budget. Choose the plan, the deductible and how much you contribute.
Why it matters to your team
How your employees benefit
A group plan isn't just a line on the offer letter. It's protection your people feel every time they or their families need care.
- Better value than going it alone. Group rates plus your contribution usually cost employees less than buying their own plan.
- Pay with pre-tax dollars. Through a Section 125 plan, employee premiums come out of payroll before taxes.
- Coverage for their families. Spouses and children can be added to the plan.
- Preventive care included. Checkups, screenings and vaccines are covered, so small issues stay small.
- Peace of mind. Protection from a surprise medical bill means less stress and more focus at work.
Don't wait for the renewal letter. The 2027 clock is already running.
Carriers need quotes, employee details and enrollment forms before coverage can start. For a January 1, 2027 effective date, that work happens in the next few weeks.
This weekBook your free 30-minute plan review with Kevin.
Next 2–3 weeksCompare side-by-side quotes, pick your plan and contribution.
January 1, 2027Your team starts the year covered, with no last-minute scramble.
Your advisor
Book a call with Kevin
Meet Kevin Smith, your small business health insurance broker
Kevin has spent more than 25 years in the health insurance industry, rising from sales associate to manager and director at a carrier before founding Advanced Benefit Designs in Doylestown in 2000.
He knows how carriers price small group plans, and he works for you, not the insurance company. You get one person who explains your options in plain English, handles the paperwork and is there when an employee has a claim question.
25+years in health insurance
2000founded in Doylestown, PA
$0cost for your plan review
How it works
Three simple steps to the right plan
1
Book a free 30-minute call
Pick a time that works. Tell Kevin about your team, your budget and what's not working today.
2
Compare real quotes
Kevin shops multiple carriers and lays out the plans side by side: premiums, deductibles, networks and tax credits.
3
Choose, enroll, relax
You pick the plan. ABD handles the applications and employee enrollment, and stays with you at every renewal.
Compare plans from leading carriers, including
Questions owners ask
Small business health insurance in Pennsylvania: FAQ
How much does group health insurance cost for a small business in Pennsylvania?
It depends on your team's ages, ZIP codes, the plan design you choose and how much of the premium you decide to pay. Many owners pay at least half of the employee's premium and let employees add family members. In a free plan review, Kevin compares real quotes from several carriers so you can see the numbers side by side.
How many employees do I need for a group health plan?
Small group plans are built for businesses with just a few employees up to 50. Carrier rules on minimum size and participation vary, so ABD checks which options fit your exact headcount.
What happens when my company grows past 50 employees?
Under the Affordable Care Act, employers with 50 or more full-time employees, including full-time equivalents, are Applicable Large Employers. They must offer affordable, minimum-value coverage to at least 95% of full-time staff or risk IRS penalties, and they take on extra reporting. Moving from small group to large group can also change how your rates are set, so plan the transition before you cross the line.
Is there a tax credit for small business health insurance?
Yes. The Small Business Health Care Tax Credit can cover up to 50% of the premiums you pay (35% for tax-exempt employers) for two consecutive years if you have fewer than 25 full-time-equivalent employees, pay average wages under the IRS limit, pay at least 50% of employee premiums and buy through the SHOP Marketplace. Employer premium contributions are also generally deductible as a business expense. Confirm the details with your tax advisor.
Does it cost extra to use a broker like ABD?
No. The plan review is free, and brokers are typically paid by the insurance carrier, so you do not pay more for your plan by working with ABD.
When should I start if I want coverage on January 1, 2027?
Now. Carriers need applications, census details and employee enrollment before the start date, and that takes several weeks. Book your plan review this week to leave time to compare options and enroll your team.
Which areas do you serve?
Advanced Benefit Designs works with small businesses across Pennsylvania, from our office in Doylestown, Bucks County.
Free 30-minute plan review
Pick a time with Kevin. Spots before year-end fill fast.
Choose a time below. You'll get a calendar invite right away. No cost, no obligation.
What we'll cover on the call
- Your team, budget and current coverage
- Whether you qualify for the small business tax credit
- Plan and contribution options for 2027
- A clear next step, only if it makes sense for you
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