Hire and keep great people with affordable benefits
It takes more than a paycheck to build a team that sticks around. Gusto makes it easy to offer health insurance, a 401(k), and more—without the hassle.
Health benefits
Medical, dental, and vision benefits for any budget
With over 9,000 plans across 30+ carriers, Gusto recommends the right coverage for your team and your budget—with no broker fees and no hidden costs.
Retirement
Offer a 401(k). We’ll make it easy.
Gusto 401(k)¹ gives small businesses an easy, affordable way to save for the future. Gusto syncs deductions with payroll automatically, handles compliance testing year-round² and generates tax credit forms to help offset the cost.³
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.
More ways to support your team
Build a benefits package your team will love
Gusto offers a full range of supplemental benefits so you can build a package that fits your team’s unique needs.
- Life & disability insurance
- Health savings accounts (HSA)
- Flexible spending accounts (FSA)
- Commuter benefits and more
Trusted by 500,000+ businesses and their teams
90%
agree having health benefits synced with payroll saves them time.⁴
300,000+
lives enrolled in health insurance plans.
40,000+
businesses rely on Gusto for their 401(k).5
Go deeper with Gusto benefits.
Frequently asked questions
The cost depends on the health plan you choose and how much of the cost you decide to cover as the employer. Because small group insurance rates are government-regulated, you’ll pay the same through Gusto as you would with any other broker, with no additional platform fee for benefits administration. Our licensed advisors can give you a real estimate based on your company size and budget.
Yes, Gusto benefits require an active Gusto payroll account. The good news: payroll and benefits are designed to work together, so deductions happen automatically and enrollment is built right into the same platform your team already uses. If you’re not on Gusto payroll yet, it’s easy to get started.
Most insurance carriers require at least one W-2 employee (other than the owner). Eligibility rules vary by state and carrier. Our licensed advisors can confirm what’s available for your specific situation, including alternative options like a health allowance if group coverage isn’t available to you yet.
Gusto manages the renewal process on your behalf — including exploring and presenting plan options, working with employees during open enrollment, and submitting paperwork directly to your carrier. Your employees can enroll, add dependents, and make changes entirely online in their own Gusto account.
Every team is different, so there’s no one-size-fits-all answer. Our licensed advisors will help you figure out what makes sense for your budget and build a package your team will actually value.
Yes, Gusto’s health benefits advisors are fully licensed professionals with years of experience. They’re available by phone or email to help you and your employees understand your options, compare plans, and make the right decisions for your team. There’s no extra charge to talk to an advisor.
There’s no minimum — really! Businesses with only an owner can set up a 401(k) and start saving for retirement.
Yes, businesses setting up a new 401(k) can claim up to $16,500 in credits over the first three years, which can cover up to 100% of fees. Gusto will help you prep those forms so you’ll actually see those savings come tax time.6
You may be required to. More than 15 states now require certain employers—including some with as few as one employee—to offer a retirement savings benefit. Requirements vary by state, so check whether your business is affected here.
Explore more Gusto Benefits offerings
Get your team
working with Gusto
¹ ‘Gusto 401(k)’ refers to 401(k) plans administered by Gusto Retirement Services, LLC, and does not refer to all 401(k) products available through Gusto. Any promotions, offers, or benefits described apply exclusively to Gusto’s 401(k) product and do not apply to third-party 401(k) providers accessible through the Gusto platform.
² All plans of related entities must be administered by Gusto Retirement in order to provide compliance testing.
³ Tax credit services provided by Gusto, Inc. Please contact a financial, tax, and/or legal advisor to determine if their applications and products are appropriate for your specific circumstance. Gusto is not a fiduciary when providing this service.
⁴ Survey of 667 Gusto Customers, September 2024
⁵ As of January 2026
⁶ This content is for informational purposes only and is not intended to be taken as tax advice. You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.