Coverage for Small Business Owners
You cover everyone else's paycheck. Who's covering your family?
Small business owners are famous for insuring the truck, the shop, and the inventory — and going bare on themselves. Group plans often don't make sense for a business with two or three people on payroll, and the owner ends up last in line.
A private PPO lets you solve your own household first, at underwritten rates, without committing the business to a group plan it can't sustain. Many owners cover their family privately and revisit group coverage when the headcount justifies it.
The problems we hear every week
Group plans priced for bigger fish
Small-group quotes for a handful of employees often come back unworkable — especially in rural counties.
Your income looks 'too good' for subsidies
Profitable owners frequently earn just past subsidy range, which means paying full marketplace sticker price.
Personal and business risk tangled together
One uncovered medical event can reach right through the LLC and into the business you built.
A private PPO tends to fit when you're…
- ✦Owners whose business is too small (or margins too tight) for group coverage
- ✦Family businesses where the owner's household needs coverage before the payroll does
- ✦Owners leaving a corporate job with COBRA sticker shock in hand
- ✦Profitable households above subsidy range wanting real PPO networks
See what coverage costs for small business owners
Your information is transmitted securely and handled as described in our Privacy Policy. Takes less than 30 seconds. No obligation, ever.
Questions we get from small business owners
Should I do a group plan or individual coverage?
It depends on headcount, margins, and what your employees need. Our advisors will talk through both honestly — sometimes the right answer is a group plan, and we'll say so.
Can my employees get these plans too?
Employees can apply individually for private underwritten coverage. Each application stands on its own health history.
Is this ACA-compliant coverage?
Private underwritten plans sit outside the ACA marketplace and work differently — including medical underwriting. An advisor will walk you through exactly what that means before you decide anything.
Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed Liberty Health advisor and you'll know what every option really costs — even if the honest answer is that the marketplace suits you better.
Mon–Fri, 8am–6pm CT