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Business with 10 to 50 staff members spread across several states. Largest company network in the United States, strong company portal, HDHP and PPO choices, telehealth consisted of. Premiums tend to operate on the higher end. Customer support scores for small groups are irregular by area. $450 to $750 per worker per month (company portion on a 70/30 split).

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It is the default option for lots of small services that want employees to utilize their existing physicians. Organizations in a single state where BCBS has a strong regional network.

No single nationwide customer support contact-- each state plan is different. $420 to $720 per staff member per month (employer portion). Cigna is the top pick for services with remote staff members or employees who travel globally. Their small-group strategies are readily available in a lot of states, and they have a strong reputation for mental health protection and behavioral health gain access to.

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Strong mental health advantages, international health coverage readily available, level-funded strategy alternatives for groups of 10 or more, good network in city locations. Smaller sized regional physician network in backwoods compared to BCBS. Administrative procedures can be sluggish. $440 to $730 per worker each month. Aetna, now part of CVS Health, provides MinuteClinic gain access to at countless CVS areas.

Plan choices for very small groups (under 5) are limited in some states. $400 to $700 per employee per month.

They use HMO, PPO, and HDHP options, and their prices is frequently the most competitive for smaller sized groups in the southeastern United States and numerous other markets. Small companies with 2 to 20 employees, especially outside significant city areas. Strong small-group rates, good dental and vision bundle choices, strong pharmacy benefits.

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Less suitable for multi-state remote teams. $380 to $680 per employee per month. Company costs vary by plan type, staff member demographics, and state. Here are the normal 2026 varieties based on nationwide averages: Business SizeTraditional Group PlanICHRA (company contribution) Section 125 + Supplemental 1 to 4 workers$ 420 to $800/mo per employeeEmployer sets amount$ 50 to $180/mo per staff member 5 to 10 staff members$ 400 to $750/mo per staff member$ 300 to $600/mo per staff member$ 60 to $180/mo per staff member 11 to 25 workers$ 380 to $720/mo per staff member$ 280 to $550/mo per employee$ 70 to $190/mo per staff member 26 to 50 workers$ 360 to $700/mo per employee$ 260 to $520/mo per worker$ 75 to $200/mo per worker Expenses shown are common employer contributions on a 60/40 to 70/30 employer/employee split for single coverage.