Business Health Insurance  Plans That Support Your Team

Running a business is about more than the numbers—it’s about people. I’m Suzanne Wolf—Health Insurance Mom, based in Highlands Ranch, CO, and I help small business owners find health insurance plans that truly care for their employees. Whether you run a two-person operation or a growing team, I’ll make sure you understand your options and choose coverage that fits your budget.

Call me at (866) 870-9894 to start the process today.

Why Health Insurance Matters for Small Businesses

Health benefits aren’t just another line item on your expense sheet—they’re a lifeline for your employees and a powerful way to attract and keep good people. In today’s job market, workers value health coverage as much as salary. Offering it shows your team that you care about their well-being, not just their work.

But let’s be honest: finding the right plan as a business owner can feel overwhelming. You want to provide strong benefits without breaking the bank, and the choices seem endless. That’s where I step in to make things clear and manageable.

Challenges Small Business Owners Face With Coverage

Most business owners I meet share the same concerns:

I know these struggles because I’ve walked through them with other business owners. My role is to take the confusion off your plate and guide you step by step. Together, we’ll explore what’s available and find a solution that balances affordability with meaningful coverage.

Types of Business Health  Insurance Plans Available

Every business is unique, and the best health coverage depends on your team size, industry, and budget. Some of the options I help set up include:

I’ll walk you through the pros and cons of each option in plain language so you feel confident about what you’re offering.

My Approach to Employer Plans

I’ve worked with many small business owners and nonprofit directors, and I’ve seen firsthand how the right plan can help them save money while showing employees they’re valued. Here’s how I approach employer coverage:

One-on-One Support for Employees

I meet with each employee confidentially to learn about their health needs. From there, I often set them up with an ICHRA (Individual Coverage Health Reimbursement Arrangement). This lets employees get coverage that fits their unique needs while saving the employer money.

Clear Financial Breakdown

I prepare spreadsheets and work directly with your accounting team to share premium prices, employer contributions, and payroll deductions in a clear, easy-to-read format.

Guidance for Families

When a family member gets new job-based benefits, I help determine if it’s really the best choice for the entire household. Sometimes, keeping a spouse or children on a separate plan saves money and provides better coverage.

I don’t pad fees into these plans, and I take pride in offering support that makes each employee feel seen and valued. Many employers tell me this personal approach boosts morale and even helps with retention. To me, there’s nothing more gratifying than helping a business save money—knowing those savings can be reinvested into the mission of the company.

Who Business Health Insurance Is Right For

Business coverage isn’t only for large corporations. You might want to explore an employer plan if:

• You have a startup and want to offer benefits or a stipend.
• You have 1–50 employees.

• You’ve been self-employed for at least two years.
• You run a nonprofit organization.

For others, individual coverage may be a better fit—for example, if you’ve recently left a group plan, lost coverage due to retirement, or are newly self-employed. I’ll help you sort through which option makes the most sense for your situation.