Cover your team — even if it's three people in a panadería.
Cubra a su equipo — aunque sea tres personas en una panadería.
Most immigrant-owned businesses think group health is for Fortune 500s. It's not. The SHOP marketplace, ICHRA, and level-funded plans all work for 1–25 employees, and many qualify for the Small Business Health Care Tax Credit.
Pick the structure that matches your business.
Elija la estructura que se ajusta a su negocio.
| Structure | Best for | Cost (per ee/mo) | Tax credit |
|---|---|---|---|
| SHOP Marketplace | 1–50 employees, traditional group plan | $380 – $620 | Up to 50% of premium |
| ICHRA (reimbursement) | Owners who want predictable cost & employee choice | $300 – $500 fixed | Deductible business expense |
| Level-funded | Healthier teams of 5+ wanting refund potential | $340 – $560 | Refund on unused claims |
| Association Health Plan | Trade-specific (restaurants, contractors) | $310 – $480 | Group rates without group filing |
The Small Business Health Care Tax Credit.
El Crédito Fiscal para Pequeñas Empresas.
If you have fewer than 25 full-time-equivalent employees, average wages under $62,000, pay at least 50% of employee premiums, and offer coverage through SHOP, you qualify for a federal tax credit covering up to 50% of premiums (35% for tax-exempt employers).
- Available for 2 consecutive tax years
- Reduces your income tax dollar-for-dollar
- Carry forward / carry back unused credit
- Refundable for tax-exempt employers
Four steps from zero to enrolled.
Cuatro pasos para empezar.
- Step 01Headcount & census
We collect employee names, ages, dependents, and ZIPs — no SSNs needed for the quote.
Censo de empleadosRecopilamos información básica sin SSN.
- Step 02Compare carriers
We pull quotes from 4–8 carriers in your state, side by side with networks and formularies.
Comparar aseguradorasCotizaciones de 4–8 aseguradoras.
- Step 03Pick & sign
You pick the plan structure and contribution split. We handle all paperwork bilingually.
Elegir y firmarUsted elige; nosotros hacemos el papeleo.
- Step 04Employee onboarding
We run bilingual enrollment meetings for your team and stay on call all year.
Inducción de empleadosReuniones de inscripción bilingües.
You can offer health coverage even if you're an LPR business owner with W-2 employees of any status. Coverage eligibility for each employee depends on their individual status — we sort it out per person.
Como dueño LPR, puede ofrecer cobertura a empleados de cualquier estatus.
What group coverage unlocks.
Lo que la cobertura grupal abre.