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Health Insurance for Auto Repair Shops

Health Insurance for Auto Repair Shops and Their Technicians

Good techs are in short supply and know their worth. We find affordable group and level funded plans that help repair shops cover owners and technicians and keep skilled hands in the bays.

Licensed in 40+ states Year-round setup Zero cost to use us
Auto repair shop technician at work, covered by group health insurance
Levelfunded options
Built for Auto Repair ShopsAffordable Level Funded PlansLicensed in 40+ States100% Free Service

We compare all major group health carriers

Blue Cross Blue Shield
UnitedHealthcare
Aetna
Cigna
Humana
Florida Blue
Allstate Health
Oscar
Ambetter
Kaiser Permanente
Blue Cross Blue Shield
UnitedHealthcare
Aetna
Cigna
Humana
Florida Blue
Allstate Health
Oscar
Ambetter
Kaiser Permanente
Shop owner reviewing affordable group health plans
Why Auto Repair Shops Offer Coverage

Keep Your Best People Without Blowing the Budget

A great technician can carry your shop, and great techs get recruited constantly. Health benefits are one of the strongest ways to keep your best people turning wrenches for you.

We lean on level funded and ICHRA options that keep costs predictable, work for shops of two to fifty or more, and give you clear guidance on who you are required to cover.

  • Coverage for owners, managers, and full-time staff
  • Options that handle variable-hour and tipped employees
  • Affordable level funded plans for healthy teams
  • Plans for 2 to 50 or more employees
  • Year-round setup, no open enrollment wait
  • Guidance on ACA hours tracking, plus renewals handled
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Plan Options

Small Business Health Plan Types We Compare

There is no single right plan. We compare every structure and show you the real numbers so you can pick what fits your team and budget.

Fully insured group health plan
G

Fully Insured Group

The traditional group plan. Predictable monthly premiums, strong carrier networks, and simple administration for your team.

Most familiar
Level funded health plan for small business
L

Level Funded

Fixed monthly cost with a potential refund if your team stays healthy. Often the best value for younger, healthier groups.

Cost savings
ICHRA reimbursement health benefit
I

ICHRA

Reimburse employees tax free for individual plans they choose. Budget control for you, flexibility for your team.

Flexible budget
Dental vision and life ancillary benefits
A

Dental, Vision, Life

Round out your package with ancillary benefits that cost little but mean a lot when recruiting and keeping staff.

Complete package
What You Are Up Against

The Coverage Challenges Auto Repair Shops Face

One bay or a full shop, here is what we help owners solve.

A

Recruiting Skilled Techs

Benefits help you win and keep certified technicians in a market where everyone is short-handed.

B

Physical, Higher-Risk Work

Health coverage sits alongside your other protections so your people are cared for on and off the clock.

C

Tight Margins

We find level funded structures that cut cost without cutting coverage.

D

Small Teams

Even a two-person shop can offer real benefits. We make it simple and affordable.

Why Employers Choose VS Health Benefits

40+
States licensed
$0
Cost to use us
2-100+
Employees covered
24h
Typical reply time
How It Works

Setting Up Coverage for Your Team

1

Free Consult

A quick call about your team size, budget, and what you want the plan to do for you.

2

Compare Options

We pull quotes across every major carrier and plan structure, side by side with real numbers.

3

Pick and Enroll

You choose the plan that fits. We handle enrollment, employee questions, and the paperwork.

4

Ongoing Support

We manage renewals, adds and drops, and keep your costs in check year after year.

What It Costs

Typical Small Business Health Costs

Real pricing depends on your team, location, and plan, but here is a realistic range so you know what to expect. Most employers cover part of the premium and employees pay the rest.

CoverageTypical Monthly RangeNotes
Per employee, single$350 to $650Split between employer and employee
Level funded groupOften 10 to 30 percent lessPossible refund if claims stay low
ICHRAYou set the budgetReimburse a fixed amount tax free
Dental and vision add-on$8 to $30 per personLow cost, high impact for retention

See Your Exact Numbers

Client Stories

What Shop Owners Say

★★★★★

"My lead tech had an offer from the dealership. Adding benefits kept him in my shop."

Carlos V.
Auto repair shop owner
★★★★★

"I thought a small shop could not do group coverage. A level funded plan proved me wrong."

Greg H.
Garage owner
★★★★★

"Straightforward and free. They handled the paperwork so I could stay under the hood."

Nick A.
Owner, auto body shop
Common Questions

Frequently Asked Questions

Can a small auto repair shop offer health insurance?

Yes. Shops with as few as two employees can qualify for group or level funded coverage. Level funded is often the most affordable route for a healthy team.

How much does auto shop health insurance cost?

Single coverage commonly runs about 350 to 700 dollars per month and is usually split with the employee. Level funded options can lower that for a healthy team. We show exact numbers free.

Do I have to cover every technician?

Generally you offer coverage to full-time staff, defined as 30 or more hours per week on average. We help you decide who is eligible without overcommitting.

What is a level funded plan and is it good for a shop?

A level funded plan has a fixed monthly cost and can return money if your team stays healthy. For smaller, healthier shop teams it is often the best value.

When can an auto shop enroll in group health?

Group coverage can be set up any time of year. There is no open enrollment window to wait for like there is with individual plans.

Ready To Offer Health Benefits

Free consult. No pressure. No fees. We do the comparison for you and handle the setup.

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