Benefits by Organization Type
Entrepreneurs & Small Businesses
A small business could be a construction firm or a tech startup, so there’s no one-size-fits-all for employee benefits. With so many options available, your local agent will help you find the right plans for your employees and your company.
No matter what you do, or who you employ, offering great health and wellness benefits can help attract and retain the best employees.
Dissatisfaction with benefits
26%
of employees who quit their jobs in 2024 did it because they were dissatisfied with their benefits. (Forbes Advisor, 2024)
Importance of well-being
85%
of employees believe their well-being is as important as their salary. (Wellhub, 2025)
Recruitment & retention
63%
of employers believe offering health insurance is important for recruiting and retaining employees. (NFIB, 2023)
Employee Healthcare Benefits
Medical Insurance Plans
Help your team do their best work without worrying about the cost of medical bills. We provide a full range of plans you can offer them.
PPO
Preferred Provider
These plans contract with a provider network, so you and your employees pay less for services when using in-network participants.
HMO
Health Maintenance
These plans use doctors who work for/contract with the HMO. Unlike a PPO, it generally won’t cover out-of-network care, unless it’s an emergency.
HSA
Health Savings Account
HSAs are qualified savings plans that allow participants to set aside untaxed money for medical expenses. They may have lower premiums, but can include higher deductibles.
HRA
Health Reimbursement
These plans reimburse employees for approved medical and dental expenses. The employer determines a reimbursement amount up to a yearly limit.
Dental Insurance
Good oral health contributes to good overall health. Help your employees take care of their teeth and gums with dental insurance.
Vision Insurance
Eye exams aren’t just for people who need glasses — they can detect early signs of medical problems like diabetes.
Prescription Drugs
Help your staff easily and quickly get the medications they need when they’re sick or to keep themselves healthy.
Mental Health
With mental health more top-of-mind than ever, you can offer your team coverage for counseling, therapy and crisis support.
Disability
Short- and long-term disability coverage helps provide for an injured or ill employee so they can heal or live with their disability.
Life Insurance
Providing life insurance lets your employees know that their families will be taken care of if the unthinkable happens.
Wellness Benefits
Support for healthy living and proactive well-being programs for smoking cessation, health monitoring and fitness.
Give employees more coverage tailored to their age, health and lifestyle choices.
- Home Insurance
- Home Security
- Mortgage Protection
- Financial Planning
- Eldercare
- Childcare
- Adoption Assistance
- And many more
Additional Services
Get the help you need to put your benefits into action.
Your local agent will help you find and implement any additional services you need to manage your employee benefits plans.
Talk to an agent
Benefits Administration & Technology
Administering employee benefits can be complex and time-consuming for businesses with limited internal HR resources. A benefits administration service helps your company simplify enrollment and minimize risk.
Employee Benefits Compliance
Don’t be caught out of compliance. Your agent and the expert compliance team behind them will offer guidance and assistance to help you stay up-to-date and avoid fines, penalties and lawsuits.
Professional Employer Organization (PEO)
PEOs provide integrated, outsourced human resource services. Could your internal HR team use expert support? Your local agent can help you decide and place you with a trusted PEO if you need it.
Start a conversation.
Discuss your needs with your local agent.
Frequently asked questions about employee health and wellness plans for small businesses
Small business is the heart of our economy. Your Highstreet agent is here to really understand your unique business needs for protecting your employees’ health and wellness as well as your goals. There is no one-size-fits-all solution, but there are options that are just right for you.
As an employer with fewer than 50 full-time and full-time equivalent employees, under the Affordable Care Act you are not subject to the Employer Shared Responsibility Payment (ESRP), even if you decide to offer health insurance to your team.
If you provide coverage through the ACA’s Small Business Health Options Program (SHOP), you may qualify for the Small Business Health Care Tax Credit which can lower premium costs. Your Highstreet agent can help you determine the right plan and programs for your business needs.
If you anticipate growing your business to include 50 or more full-time and/or full-time equivalent (FTE) employees, you will need to be ready to follow the ACA’s Employer Shared Responsibility Provision. You also have new responsibilities for information reporting. You can learn more by visiting the Medium & Large Businesses page. Your Highstreet agent can also help you plan for growth.
While workers’ compensation rules can vary from state to state, if you have employees your business is probably required by law to have insurance that covers their medical bills, lost wages and/or legal costs if they are injured at work.
To find out more about what type of coverage your business requires, visit the workers’ compensation page on this website, or ask your Highstreet agent.
The cost of employee health benefits is usually shared by the employer and employee. The cost will depend on the type of benefits you provide, whether you are covering employees only, or including dependents, and the percentage of your employer contribution.
Your Highstreet agent can help you find an arrangement that works for you, and which complies with any relevant state and federal requirements.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees who would otherwise lose their coverage the right to choose to continue group health benefits provided by their group health plan for a limited time. COBRA covers situations such as job loss, reduction in hours or transition to a new job, as well as death, divorce and other life events.
COBRA can require that employers who offer group health plans to 20 or more employees have the option for employees to access continuation coverage. Your Highstreet agent can help you understand COBRA, and whether it applies to your situation.
A Professional Employer Organization, or PEO, is a partner that provides payroll, benefits and HR support, including employee benefits. Your Highstreet agent can advise you on whether hiring a PEO would be best for your business and team — including placing you with the right partner.
If you already have a PEO, your Highstreet agent can also help you evaluate if your current arrangement puts you in the best possible position.
