Many insurance plans, including all of the plans available through Gusto, automatically allow dependents on the plan. As an employer you have no obligation to contribute to dependent premiums. So if you choose a health insurance plan with dependent coverage you do not have to make contributions towards it, even if you make contributions towards your employees’ coverage.
Employer contributions help spread out the cost of health insurance between employees and employers so it’s easier for both sides to handle. Learn more about how employer health insurance works and what percentage employers have to pay.