Affordable Small Business Health Insurance Plans

Tailored group medical, dental & vision coverage for teams of 2–50

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Group Health Coverage That Fits Your Budget

Peterman Insurance Services specializes in small business health insurance plans designed to balance cost control with robust benefits. Our nurse-led guidance helps you navigate carrier networks, plan designs, and enrollment logistics—so your employees gain access to quality care and your business stays competitive.

Flexible Network Access

Choose from HMO, PPO, and EPO plans to match your team’s provider preferences and budget requirements.

Cost-Containment Strategies
Leverage level-funded options, wellness incentives, and contribution structures to manage premiums and maximize value for both employer and employees.

Turnkey Enrollment Support

From open-enrollment meetings to personalized employee communications, we handle every detail so you can stay focused on running your business.

Your small business health insurance Questions, Answered

Clear, concise answers to common group health insurance questions—so you can choose the right plan design and contribution strategy for your team.

Businesses with 2–50 full-time equivalent employees typically qualify. Plan designs, premium rates, and carrier options vary by state and group size.

While regulations differ by region, a typical contribution is 50–80% of employee premiums. We’ll help you design a contribution structure that aligns with your budget and attracts top talent.

Fully insured plans have fixed monthly premiums and transfer all risk to the carrier. Level-funded plans blend predictable payments with the potential for refund if claims come in under budget—offering balance-sheet protection.

Participation rules depend on the carrier and your plan’s eligibility requirements. We’ll review your workforce composition to maximize employee access while maintaining compliance.

Incentive-based wellness initiatives—such as biometric screenings, smoking cessation, and fitness reimbursements—can earn premium credits and reduce overall plan costs.

We conduct an annual renewal review—analyzing claims, benchmarking rates, and exploring plan design tweaks—so your coverage stays current, cost-effective, and aligned with your team’s needs.