Group plans from top A-rated carriers in Montana, compared and set up for you, free. No HR department needed.
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A business with at least one W-2 employee besides the owner can offer a group plan. Carriers typically require around 70% of eligible employees to participate and the employer to contribute roughly half of the employee-only premium. Group coverage is guaranteed-issue regardless of anyone's health, premiums are a deductible business expense, and small employers may qualify for a tax credit. Businesses with fewer than 50 employees are not required to offer coverage.
We compare all major carriers
We help Montana employers with 2 to 50 employees compare group, level-funded and ICHRA options from the carriers that sell in their county. Whether your business is in Billings, Missoula, Great Falls or Bozeman, one licensed advisor builds your quotes, enrolls your team and handles every renewal, free.
We work with small employers across Montana and 40+ states who want to offer real benefits without a full HR team. From a two-person trade shop to a 20-person dental practice, if you have between 2 and 50 employees, we have a plan for you.
Get a Group Quote
We find plans that fit your budget and what your team actually wants to use.
Full group health plans for small employers. We handle setup, onboarding, ID cards, and annual renewals so you can stay focused on your business.
Most common setup
Tailored plans for very small teams that do not fit traditional group thresholds. Real group coverage with real benefits for the smallest employers.
Small teams welcome
Add dental and vision to round out your package. Employees value these plans, and they are affordable when bundled with a group setup.
Ancillary benefitsA few rules shape how small group health insurance works in every state. Here is what employers should know before shopping for a plan.
Most carriers require 50% to 75% of eligible employees to enroll. Employees covered through a spouse can usually waive without counting against you.
Small group plans for 1 to 50 employees are guaranteed issue under federal law. Carriers cannot deny coverage or charge more because of anyone’s health.
Which carriers and networks you can pick from depends on your state and county. We compare Blue Cross Blue Shield, UnitedHealthcare, Aetna, Cigna and regional carriers for your ZIP code.
Businesses with fewer than 25 full-time equivalent employees and average wages under $56,000 may qualify for a federal Small Business Health Care Tax Credit worth up to 50% of your premium contribution. We check this for every client.
One advisor handles your quotes, setup, employee enrollment and every renewal. You get real benefits for your team without adding HR work to your week.
We learn about your team size, industry, budget, and what your employees care about most in a benefits plan.
We pull group quotes from multiple carriers and present the best options side by side so you can make an informed call.
We handle all paperwork, employee enrollment sessions, and ID cards so you lose no time running your business.
Renewals, adds, drops, and claims support included every year. One call handles whatever your team needs.
Free, no obligation.
“I worked with Brad when I was looking for insurance for my small business. He was great! He showed me several different plans and explained everything in simple terms. We got a great plan with bcbs that we’re very happy with. 10/10 great service and I would recommend him.”
“Bradley is genuinely one of the most helpful and supportive people I’ve talk to on the phone. He genuinely cared to help me with my situation, and I’m beyond thankful because he gave me lots of support and encouragement to help find the perfect insurance for me, which I was in great need of.”
“Owner gave me a lot of incredibly helpful advice, was very patient explained in detail the process of this business and made me understand what to look for when looking into this. Bradley is a phenomenal individual that I would recommend close family and friends to.”
We set up coverage for small businesses of every kind. Here are a few we specialize in.
Plans that help you win bids and keep your crew.
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National PPO networks that follow drivers on the road.
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Keep great managers and staff on tight margins.
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Keep certified techs on your trucks all year.
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Recruit and keep hygienists and assistants.
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Benefits that keep your best stylists in the chair.
Learn moreA ready-to-use spreadsheet to map out group health costs for your team. Add your employees and plans, and it auto-calculates your total premium and the employer and employee split. Yours to keep, free.
Want it filled in for you? We will build a custom quote for your team at no cost.
In most states you need as few as 2 employees to qualify for a small group health plan. Most carriers require at least one W-2 employee in addition to the owner. VS Health Benefits specializes in micro-group plans for businesses with 2 to 9 employees -- a segment most brokers overlook.
In most states you need as few as 2 employees to qualify for a small group health plan. Most carriers require at least one W-2 employee in addition to the owner. VS Health Benefits specializes in micro-group plans for businesses with 2 to 9 employees -- a segment most brokers overlook.
Employers typically contribute $300 to $600 per employee per month for a solid group plan, depending on the state, ages and plan design. Most employers cover 50% to 75% of the employee-only premium. Dependent coverage is typically paid by the employee. We run exact quotes for your team at no cost.
Unlike individual plans, small group health insurance has no fixed open enrollment window. You can set up a new group plan at any time of year. Most plans take effect on the first of the month following enrollment -- this is one of the biggest advantages of group coverage over individual plans.
Yes. Employer premium contributions are generally 100% tax deductible as a business expense. Employees benefit too because their share of premiums is often paid pre-tax through a Section 125 cafeteria plan. Businesses with fewer than 25 FTE employees may also qualify for the Small Business Health Care Tax Credit worth up to 50% of the employer premium contribution.
The best plan depends on your team size, industry, employee ages, and how much you want to contribute. Your state’s Blue Cross Blue Shield plan often has the broadest local network. UnitedHealthcare and Aetna are strong options if employees travel or work across multiple states. For groups of 2 to 9, micro-group plans through select carriers offer competitive group rates. We compare all options side by side for free.
Employers with fewer than 50 full-time equivalent employees are not required by federal law to offer health insurance. However, offering group coverage is one of the most effective tools to attract and retain employees -- especially in trades, hospitality, and healthcare where competition for workers is fierce. Many owners find that turnover costs exceed the cost of the plan.
Yes. VS Health Benefits is licensed in 40+ states and works with small businesses from coast to coast. Plan availability and carrier networks vary by state and county, so we quote your exact ZIP code and show you which carriers have the strongest networks where your team lives and works.