Health insurance for your growing business.

When your team is healthy and supported, they work harder to bring value to your business. And since health coverage is one of the most important benefits to job applicants, you’ll have a competitive edge to acquire top talent, and keep it.

Create account

Find the right plan for your business.

With Gusto, you have options. Our licensed advisors help you choose from 3,500 insurance policy types and coverage levels, helping you find the right fit for your team and budget.

Make an informed decision.

Gusto's licensed advisors, smart technology, and compliance support can help you untangle the ins and outs of health insurance, saving you valuable time.

You’ve got their back, we’ve got yours.

Gusto’s great support team is just a call, chat, or email away. And your employees can reach out to us directly, giving you one less thing to worry about.

98% of surveyed small businesses say employee benefits with Gusto helps them retain top talent.¹

Because of Gusto I can actually provide health benefits to my employees. As a business owner that makes me very proud.

Kelly Trace, Owner, Reach

78% of surveyed employees say their health insurance coverage impacted their decision to stay in their current job.²

Gusto provides benefits to thousands of businesses across the country.

Gusto makes it really easy to manage and track benefits alongside our payroll expenses in one place. It’s made my life easier and my job more enjoyable.

Faris Toqan, Chief Executive Officer, Onenigma

¹ Source: 2020 TechValidate survey
²Source: 2018 SHRM study

Plans and pricing

Possibilities may be endless, but your budget is not.

You know how important it is to take care of your team, but how do you choose the health benefits that work best for you and for them? Our software uses thousands of data points to help you zero in on a plan that balances cost and coverage. Once you’ve found the right insurance policy, benefits administration comes at no extra cost— including dental and vision — so there won’t be any additional fees for brokerage or compliance support.

Licensed advice

Let us help guide you.

Whether you’re starting a new benefits plan or moving an existing plan, our licensed advisors are here to help it all go smoothly. You never have to worry about your broker being out of town — with Gusto, there's always someone who can help. Let us help you navigate the complicated world of health insurance with confidence.

Dedicated support

We’ll keep you moving forward.

When your business is building momentum, the last thing you want is a minor issue to slow you down. Think of Gusto’s support team as your pit crew — standing on the sidelines to give you answers and advice. You can even pull over and check out our online resources like the Help Center, Talk Shop Blog, and How-To Guides.

Getting started

We’ll help get you set up.

Once you’re ready to choose a package, your employees can enroll themselves through our online platform. If they have questions, we’ll be standing by with the answers. We make the process as smooth as possible so that everyone can get back to doing what they were hired to. After you’re all set up, medical, dental, and vision administration comes at no extra cost. And if the time comes to adjust your policy, we’ll be here to help with that, too.

What kind of benefits do employees want?

According to a 2019 study by Metlife, 80% of workers describe health insurance as a “must-have.” With that said, every team has a unique set of wants and needs. It’s always a good idea to survey your employees and your HR department to stay up-to-date on the benefits they most use and value. Additionally, you can audit the benefits you currently provide to find out which ones are being used and which might not be worth keeping.

Am I required to offer health insurance?

The Affordable Care Act includes a provision called the employer mandate, which requires businesses with 50 or more full-time equivalent employees (FTEs) to provide health coverage to at least 95% of those employees. But there are advantages to providing health coverage whether you’re required to or not, such as keeping up with the competition and writing off your contributions. If you’d like to learn more, check out our in-depth guide to how it works.

What is the average cost of health insurance for small businesses?

The cost of health insurance varies depending on a number of factors, such as the tier of coverage you offer, which carrier you use, and how much you contribute to your employees’ premiums. For a general estimate, the average premium in 2020 for covered workers in small firms was $7,483 for single coverage and $20,438 for family coverage, according to a Kaiser Family Foundation Employer Health Benefits Survey. For a clearer picture of how much health coverage might cost your business, read our handy guide.

What other benefits do I have access to with Gusto?

We’re proud to offer all kinds of no-cost, low-cost, and premium employee benefits. On top of health insurance and QSEHRAs, Gusto supports workers’ compensation, commuter benefits, and financial benefits like 401(k)s and 529 plans. Employees even get access to the Gusto Wallet app where they can manage their money, set up automatic savings, get a spending account, access emergency cash, and more.* Not to mention the bonus of having it all integrated within one, user-friendly platform. Read about our whole suite of small business benefits.

*The Gusto Cash Account, savings goals, spending account, and debit card are issued by nbkc bank, Member FDIC.

What if I’m happy with my existing health insurance policy?

If you’re interested in working with Gusto but you don’t want to change your company’s health coverage, we can help work with your existing carrier to see if Gusto can become your broker and migrate your data. Your benefits will then be integrated with our modern payroll platform, in most cases without any interruptions or changes to your plan.