Finally, affordable health insurance for every business.
Unlock tax benefits, attract and retain top talent, and build the plan that’s best for your business—whether you’ve got 5 employees or 500. Easy, integrated, and affordable, Gusto offers comprehensive coverage options that make sense for both your team and your bottom line.
We’re thrilled to be ranked #1 Small Business Benefits Administration company on G2 for Fall 2025—but the best part is knowing that our products are serving you well.
Flexible benefits that fit your budget
Health insurance is more affordable than you think. With attractive tax deductions + lower premiums, group health plans put benefits in reach for any business.
Easy admin and compliance
Gusto’s software simplifies health benefits across all 50 states. Plus, employees enroll on their own, saving you time while taking care of your team.
Expert support & time-saving tech
Gusto's licensed advisors, smart technology, and compliance support help you untangle the complicated world of benefits with confidence.
“Gusto made it easy to offer benefits to employees, and I am sure that it is being done right. Having it tied into payroll automatically is the best part. I don’t have to manage varying Benefits/HR/Payroll systems because Gusto has it all in one. That saves so much time!”
Cost-saving plans
The healthcare you want at prices you can afford.
With more than 9,000 plans and 30+ carriers covering everything from HMOs to HSAs, we’ve got the plan that’s right for your business. Our team of licensed benefits advisors can help you leverage lower group premiums and affordable deductibles, along with tax incentives and cost-splitting options, to craft the perfect plan for your team without busting your budget.
Attract & retain talent
Great benefits help you build a great team.
Offering benefits is a game-changer when it comes to attracting the talent you need to run your business—and it’s key for retention. In fact, we found that employees with health insurance are 25% less likely to quit during their first year of employment. Gusto’s comprehensive group insurance options along with our no-cost and low-cost add-ons allow you to build a forward-thinking, tailor-made benefits package that will help you hire the team you want while taking care of the one you’ve got.
Time-saving integrations
Medical, dental, and vision seamlessly synced to payroll.
Reduce errors and save hours on admin when everything you need is all in one place. Payroll deductions are automatic, employees can self-enroll and manage their own accounts, and administration and compliance is taken care of at no extra cost. Which means you can spend less time on paperwork and more time running your business.
Already have group health insurance? We’ll get you transitioned to Gusto smoothly—move your plan, start a new one, even integrate your existing broker.
Frequently Asked Questions
Group health insurance, sometimes referred to as “employer-based coverage,” is provided to employees either by an employer or by a group (such as a union or small business association). As opposed to individual coverage, group medical insurance can offer significant cost savings and tax benefits.
Only businesses with more than 50 full-time equivalent (FTE) employees are required to offer health benefits to their teams. But offering employer insurance plans is a great way to attract and retain top talent, no matter the size of your business.
To be eligible for group health insurance, an employee must be on payroll and the employer must pay payroll taxes. Independent contractors and seasonal or temporary employees usually don’t qualify. Employees taking unpaid leave are usually ineligible for group coverage until they return to work.
Generally, group health insurance coverage must also be offered to an employee’s spouse and dependent children until age 26.
Absolutely! Group health insurance allows employees to benefit from lower premiums, more affordable deductibles, and more options overall when compared with individual health insurance plans. There are plenty of options for small business owners who may have felt offering healthcare was out of reach. Of course, the prices of plans vary depending on the size of your business and the options you choose.
In most states, large group plans require a business to have 51 or more full-time equivalent (FTE) employees. Small group health insurance plans (SGHI) tend to be more expensive than large group plans, as small businesses cannot negotiate premiums with insurers, and SGHI is subject to more stringent requirements under the Affordable Care Act. Check out this guide to see how small group health insurance premiums are calculated under the ACA.
You betcha! The Affordable Care Act created the Small Business Health Options Program (SHOP) that offers a small business tax credit of up to 50% of the cost you pay for employees’ premiums. In addition, payments made toward employee health premiums are almost always tax-deductible for you and your employees.
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