Why Group Health Plans Are More Affordable

If you're a small business owner or employee trying to make smart decisions about health insurance, affordability is often the top concern. The good news? Group health insurance plans—especially those offered by employers—are usually far more cost-effective than individual plans.

Here’s why:

✅ Risk Sharing – Insurance is all about managing risk. In a group plan, that risk is spread across many employees. Because the insurer doesn’t rely on just one person’s health profile, premiums tend to be more stable and significantly lower than what you'd find in the individual market.

✅ Employer Contributions – Most employers who offer health plans also contribute toward their employees’ monthly premiums. That means you’re not footing the whole bill yourself. In many cases, this can result in hundreds of dollars in monthly savings, both for you and for any dependents you choose to cover.

✅ Pre-Tax Savings – Group health plans typically allow employees to pay premiums using pre-tax dollars. This reduces your taxable income, which means you keep more of your paycheck.

✅ Additional Perks – Group plans often come with extra benefits like wellness programs, access to a broader network of providers, and even dental or vision coverage at a discounted rate.

At NY Small Health, we specialize in helping small businesses in New York State, NYC, and Long Island find the best-value health insurance plans for groups of 1–100 employees. Whether you're an employer or an individual looking for smarter insurance choices, we’re here to help.

Call 516.358.3612 or email mail@nysmallhealth.com today for a free consultation tailored to your needs!