Find health insurance for your small business

Are you a business owner with 2 to 50 employees? Find group health insurance plans designed to help your small business save money and support your employees’ health and well-being needs.

Get started by telling us about your business

Why choose UnitedHealthcare?

Carrier of choice for over 235,000 employers¹

UnitedHealthcare provides health care coverage to more than 2.5 million small business employees.¹

Nationwide provider network

Choose from more than 1.8 million physicians and health care professionals and over 5,600 hospitals.²

More benefit options

Dental, vision and life insurance coverage options help you provide the tailored benefit solutions your employees want.

View plans by state or request a quote

Explore small business products with flexible plan options

Did you know that 88% of employers rate health care-related benefits as extremely important or very important to their workforce?³ Help retain and recruit talent with our group health insurance solutions. Choose from a range of options designed to support your business and your employees' health and well-being.

Surest® plans

Give employees a plan that offers more control over their health care experience. Surest plans provide clear, upfront copays and no deductibles or coinsurance. Benefits are designed to be easy to understand, without shifting costs to employees.

Shop Surest plans

Fully insured plans

With a fully insured plan, the insurance company manages all employee claims for a fixed monthly premium. They take on any financial risk and handle administrative tasks. This can help make costs more predictable and simplify operations.

Shop fully insured plans

Level funded plans

Our customer-priced plans are built to offer flexibility and give you more ways to save. Plans are based on your employees’ actual medical claims, which means your health plan could get a potential year-end surplus if claims are lower than expected.⁴

Shop level funded plans

Benefits built for employees

Our plans take a whole-person approach to health, offering a variety of benefits like wellness programs, mental health support and care management services. Some of our no-cost programs and services include:

24/7 Virtual Visits: Access health care professionals anytime, anywhere
UnitedHealthcare Rewards: Earn incentives for completing healthy actions
Vital Medication Program: Eliminate out-of-pocket costs for essential medications like insulin, epinephrine, glucagon, naloxone and albuterol

You can also choose to offer additional benefits options to your employees, like dental, vision and life insurance coverage.

Your one-stop health plan shop

Our Small Business Store helps make purchasing a group health insurance plan easier. Research plan options, compare prices and get plan recommendations all in one place. Our dedicated team of licensed agents is here to support you every step of the way.

Need help getting started? Contact a licensed agent

Learn more about the Small Business Store

Transcript will be available on 5/6/2025.

Your one-stop health plan shop

Our Small Business Store helps make purchasing a group health insurance plan easier. Research plan options, compare prices and get plan recommendations all in one place. Our dedicated team of licensed agents is here to support you every step of the way.

Need help getting started? Contact a licensed agent

View plans or request a quote

Select your state to get more details on health insurance options for your small business. In markets where the Small Business Store is available,⁵ you’ll be directed there. In markets where the Small Business Store is not available, you can request a quote.

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Does your business have more than 50 employees?

Explore group medical plans for your employees and your business, plus supplemental plans for dental, vision, disability and more.

Request a quote

Find health insurance through the SHOP Marketplace

The Small Business Health Options Program (SHOP) is an online marketplace established under the Affordable Care Act. Eligible small business employers can choose coverage options for their employees, and their employees can shop for group health insurance too. UnitedHealthcare offers SHOP plans.

Learn more about the SHOP Marketplace

Frequently asked questions

To get health insurance for your small business (2 to 50 employees), you can explore options through the Small Business Store. You can also chat with a licensed agent to learn more about our different plans and find the best fit for your business.

Small businesses with fewer than 50 full-time employees are not required to offer health insurance under the Affordable Care Act (ACA). Full-time employees are defined as people who work 30 or more hours per week. However, offering health insurance can be beneficial for attracting and retaining employees.

The cost of small business health insurance varies based on plan type, network coverage, benefits, location and employee ages. Employer contributions, ranging from 50% to 100% of the plan cost, also impact the overall cost. Typically, employers share the cost with employees and may choose to contribute to the costs for spouses and dependents.

Health insurance premiums paid by small businesses are generally tax deductible. Small businesses can deduct the cost of health insurance premiums as a business expense on their federal taxes. Additionally, businesses that qualify for the Small Business Health Care Tax Credit can receive a credit for up to 50% of the premiums paid. Consult with your tax expert for additional information.

Footnotes

UnitedHealthcare internal analysis, March 2025
UnitedHealthcare internal analysis, as of March 31, 2025
SHRM, SHRM Employee Benefits Survey, accessed April 2025
Please consult a tax and/or legal advisor to determine if, by receiving this refund, there are any restrictions or obligations. Surplus refund available only where allowed by law.
The Small Business Store is not available in AK, HI, NV, VT.

Disclaimers

Specialty benefits and programs may not be available in all states or for all group sizes. Components subject to change.

24/7 Virtual Visits is a service available with a Designated Virtual Network Provider via video, or audio-only where permitted under state law. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.

UnitedHealthcare Rewards is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for you. Receiving an activity tracker, certain credits and/or rewards and/or purchasing an activity tracker with earnings may have tax implications. You should consult with an appropriate tax professional to determine if you have any tax obligations under this program, as applicable. If any fraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. You may call us toll-free at 1-866-230-2505 or at the number on your health plan ID card, and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Rewards may be limited due to incentive limits under applicable law. Components subject to change. This program is not available for fully insured members in Hawaii, Vermont and Puerto Rico nor available to level funded members in District of Columbia, Hawaii, Vermont and Puerto Rico.

Employee benefits including group health plan benefits may be taxable benefits unless they fit into specific exception categories. Please consult with your tax specialist to determine taxability of these offerings.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.

Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.