Group Insurance Isn’t Enough: What Small Business Owners Should Know Before It’s Too Late

You started your business to create freedom—for yourself and for others.

But between rising costs, confusing coverage options, and employees asking questions you can’t answer, group health insurance can start to feel more like a burden than a benefit.

Still, you know offering coverage matters. You want to protect your team, attract the right people, and create a workplace that reflects your values. But you also need to do it within a budget that makes sense.

At Mere, we help small businesses design benefit packages that make an impact—without wasting time or money.

Group insurance shouldn’t be a guessing game.

We know most small businesses don’t have an HR department. That’s why we walk alongside you—translating insurance jargon into plain English and finding options that align with your goals.

What You Might Not Know About Group Coverage:

• Most plans require 5 or more enrolled employees

• You aren’t expected to cover 100% of the premium

• You can add dental, vision, life, or disability coverage to boost value

• Even if some employees waive coverage, you may still be eligible

• Offering coverage can improve retention, reduce absenteeism, and boost morale

• We help with renewals, enrollment meetings, and employee questions

The Risk of Staying Stuck:

• You lose great talent to businesses that offer real benefits

• Your employees go uninsured—or turn to Marketplace plans they don’t understand

• You pay more out-of-pocket when someone gets sick and can’t work

• You carry the mental load of feeling like you’re not doing enough for your team

The right group plan protects more than just physical health—it protects your mission.

Here’s the Plan:

1. Schedule a group consultation with our team

2. Fill out a simple census form with employee info

3. Get clear comparisons and creative options tailored to your budget

4. Offer benefits that truly support your team

Download Our Group Census Template

At Mere, we believe strong businesses are built on strong foundations.

That includes making sure your people are protected, valued, and able to focus on their work—not worried about a doctor’s visit or unexpected bill.

Let’s build benefits with purpose.

Call or text (904) 654-5450 or visit www.merebenefits.com to get started.

FAQs

I have less than 5 employees. What are my options?

We can explore individual coverage, HRA arrangements, or other creative solutions for small teams. Let’s see what fits your current stage of growth.

Do I have to pay the full cost of health insurance?

No. Most carriers only require that you cover part of the employee-only premium. We’ll break down the costs and show you different contribution options.

What if my employees already have insurance?

If they waive coverage, we’ll guide you through the paperwork. Some may still opt in for dental, vision, or other benefits.

Can I offer just dental or vision if I’m not ready for a full health plan?

Absolutely. Ancillary benefits can be offered independently and are a great way to support your team without a large investment.