Start a new benefits plan.
New to offering benefits? We make it surprisingly easy.
Get started
Easy to start new. Easy to switch.
Manage health insurance for free with most plans.
Smart financial tools for your employees.
Licensed advisors and compliance support.
Easy to start new. Easy to switch.
Manage health insurance for free with most plans.
Smart financial tools for your employees.
Licensed advisors and compliance support.
Small group health insurance
Medical, dental, and vision administration comes free.
With more than 3,500 health insurance plans, our licensed advisors can help you find the right coverage for your team and your budget.
BlueCross BlueShield
United Healthcare
Humana
Oscar
Kaiser Permanente
Many, many more
Health insurance varies by state. See if we have you covered.
Health benefits are not available with Gusto’s Basic plan.
Medical
16 employees enrolled
Dental
12 employees enrolled
Vision
12 employees enrolled
BlueCross BlueShield
United Healthcare
Humana
Oscar
Kaiser Permanente
Many, many more
Health insurance varies by state. See if we have you covered.
Health benefits are not available with Gusto’s Basic plan.
By managing benefits with Gusto, employees have the opportunity to enroll without me having to do anything! It’s such a time saver.
Practice Mngr. ManagerGrand Lake Veterinary Hosp.
Getting started
Setting up health benefits with Gusto is easy.
Financial benefits and more
Offer your team even more ways to save and plan.
Planning for the future is important. That's why we provide options and guidance to help your team save, spend, and borrow with confidence.
Additional benefits:
Life and disability
Flexible spending account
Health savings account
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The Cashout Program is issued by Sunrise Banks N.A., Member FDIC.
Compliance Checklist
Employee onboarding forms
Report new hires to state
Get workplace posters
Benefits compliance
Stay on top of your benefits compliance.
As a small business, there are a lot of mandates and regulations to keep track of. It can be overwhelming, but we’ll help you navigate.
ACA
ERISA
Dept. of Labor
IRS
HIPAA
COBRA
Licensed advisors are just a call away.
Have questions? Want advice? Our team of licensed benefits advisors are great at untangling the complicated world of small group health insurance.
The support team at Gusto is so helpful. We rely on them constantly.
Finance Manager Student Loan Hero
Employee experience
Your employees are going to love benefits with Gusto.
Employees love employers who offer benefits. And on top of making them happier, we save you time by making it easy for them to self-enroll and manage their own plans.
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Set up payroll and benefits all at once.
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Have your team self-enroll to save you time.
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Employee questions? Tell them to call us.
Benefits can be complicated. Here’s a breakdown.
Can I afford to offer health insurance?
You might be surprised. There are lots of different plans and ways to split costs with employees.
What does Gusto charge for health insurance administration?
It’s free with most plans. You only pay toward the premiums, which cost the same no matter who handles your benefits.
Is my business eligible for small group health insurance?
If you have 2–50 employees (one or more with a W-2), then yes! And if not, you still might be — carriers and states vary.
Can’t I just give my team a raise?
Benefits are great because they're both important to your team and tax-advantaged for you and your employees.
How’s an online broker different than a local broker?
You get more with an online broker: a whole team, easier setup, free compliance support, and automatic payroll syncing.
How are premiums determined?
Rates are based on zip code and age of employees and dependents. They’re non-negotiable by law.
The people platform
So much more than benefits.
Teams are at the heart of every small business. That’s why we built the people platform — one place with everything you need to build an incredible workplace.
Payroll, benefits, and more