Health insurance made easy
Health benefits for any budget
From group plans to health allowances across 9,000+ plans and 30+ carriers, Gusto helps you find the right coverage for your team and your budget, with no broker fees or hidden costs.
Why small businesses choose Gusto for employee benefits
Benefits deductions happen automatically with every payroll run, saving you time, reducing errors, and eliminating the need for manual reconciliation.
A licensed advisor in your corner
At no extra cost, a health benefits advisor will help you compare plans, build a package your team will value, and answer questions along the way.
Gusto manages open enrollment, renewals, compliance, and employee life events so you can focus on running your business.
Easy health insurance, packed with value
- Customizable coverage options to fit any budget, including group plans and health allowances
- Licensed benefits advisors for personalized guidance and support
- The same regulated rates as any broker—no hidden fees, no markups.
- Benefits deductions are calculated automatically with every payroll
- Employees self-serve for enrollment and management
Start offering health benefits today and invest in your team’s well-being.
Keep your best employees longer
Turnover is expensive. Offering health insurance makes employees 25% less likely to quit in their first year and has a positive ROI if workers earn $60,000+ per year¹. Gusto makes it easy with best-in-class benefits administration.
Frequently asked questions
We do! Health benefits through Gusto (including medical, dental, vision, HSA and FSA health plans, life and disability) are available in all 50 states and D.C.
When you select your health benefits with Gusto, you’ll also have the option to add dental and vision coverage. For Health Savings Accounts and Flexible Spending Accounts, you can talk to one of our licensed advisors to add those benefits, too.
If you like the plan you have, good news! Many plans can be switched over to Gusto. If you’d like to look at new options, we have a range of plans from top carriers to help you find the balance of cost and coverage that’s right for you.
Yes, you’ll have the option to add life and disability insurance policies when setting up health insurance in Gusto.
Yes, we help you handle both federal COBRA and state continuation requirements for employees who leave your company.
We handle COBRA requirements for you, emailing employees with the necessary paperwork when they leave your company and helping you manage them if they decide to enroll.
Yes, we can usually cover your out-of-state employees, too. We can usually cover your out-of-state employees too. Our brokers can help you find options for your particular team.
Insurance products through Gusto Insurance Services, LLC (NPN 18405981)
¹Based on Gusto platform data from a 2023 study involving over 300k businesses.