What is the best health insurance for small businesses with less than 10 employees?

At My Private Health Insurance, we understand the unique challenges small businesses and self-employed individuals face—especially when it comes to offering quality health insurance. Whether you’re running a lean team of under 10 employees or you’re your own boss, you shouldn’t have to sacrifice reliable coverage due to your business size.

The truth is, offering health insurance isn’t just for large corporations anymore. Affordable, flexible plans are now available specifically for small businesses and independent professionals. These plans provide essential medical, dental, and vision benefits—helping you attract great talent, improve team morale, and promote long-term wellness and productivity.

Let’s walk through what’s available, why it matters, and how My Private Health Insurance can help you get started.

Health Insurance Options for Small Businesses & Self-Employed Individuals

There’s no one-size-fits-all when it comes to health coverage. That’s why we offer a range of customizable private plans designed specifically for small business owners and independent workers. Common plan types include:

• PPO (Preferred Provider Organization): Offers more flexibility in choosing healthcare providers with out-of-network options.

• HMO (Health Maintenance Organization): Lower premiums and out-of-pocket costs, but with a more limited provider network.

• POS (Point of Service): A hybrid of HMO and PPO, allowing in- and out-of-network services.

• HDHP (High Deductible Health Plan): Lower monthly premiums with higher out-of-pocket costs—often paired with a Health Savings Account (HSA).

For self-employed individuals, HSA-compatible plans are often an attractive option. They allow you to save tax-free dollars for medical expenses, while keeping your monthly premiums low. At My Private Health Insurance, we’ll walk you through each type and help match you to the right plan based on your income, health needs, and lifestyle.

Why Health Insurance Matters for Small Business Owners

When you offer private health coverage through My Private Health Insurance, you’re not just protecting your employees—you’re strengthening your business. Here’s how:

• Attract and retain top talent: Candidates are more likely to join and stay with businesses that offer health benefits—even if your team is small.

• Boost productivity and reduce absenteeism: When your team has access to regular checkups and treatment, they’re healthier, happier, and miss fewer workdays.

• Invest in a loyal workforce: Providing health benefits shows you value your team. That trust and loyalty go a long way toward building a positive work environment.

Even if you’re a solo entrepreneur, access to high-quality care through a PPO or HSA plan means you can focus on growing your business—not worrying about medical bills. If you are a small business owner with less than 10 employees and you are looking for health insurance, you really have two options. First, standard group health insurance that get’s deducted from payroll is always an option but the premiums will be almost double the cost, compared to getting your employee’s their own private health plans.  Private Health Insurance for small business owners will give you more flexibility and save your company the most on premiums.

How Employees Benefit From Health Insurance

Whether you’re an employee at a small business or a self-employed professional, having health insurance provides more than just financial protection:

• Peace of mind: You’ll know you can afford necessary treatment or doctor visits, without a surprise bill.

• Preventive care access: Annual check-ups, vaccines, and screenings can catch problems early, leading to better health outcomes.

• Financial protection: With rising medical costs, coverage helps avoid crippling expenses from unexpected illnesses or injuries.

When teams are healthier, everyone wins.

Choosing the Right Health Insurance Plan

With My Private Health Insurance, we simplify the process of selecting a plan that fits your needs and your budget. Here are a few factors we help you evaluate:

• Cost structure: Premiums, deductibles, copays, and coinsurance all affect what you and your employees will pay.

• Coverage options: We make sure you have the benefits you need—such as prescription coverage, emergency services, mental health, and maternity care.

• Provider network: PPO plans offer nationwide access to doctors and specialists, which is especially helpful if you travel or have remote team members.

We’ll work closely with you to ensure the plan meets your needs, whether you’re insuring one person or a team of ten. Small business health insurance plans for less than 10 employee’s are available on the private market, off of the exchange. The catch with these private plans is you have to get approved with no major health issues. But if you and your employee’s can get approved, the premium savings is substantial.

How to Enroll with My Private Health Insurance

Getting started is easier than you think. Our process is streamlined to get you and your team covered quickly:

1. Personal consultation: We’ll discuss your business, goals, and employee needs—no pressure, just honest guidance.

2. Customized plan options: You’ll receive side-by-side comparisons of the best private PPO or HSA-compatible plans available.

3. Enrollment support: We handle the paperwork and communication with each employee (or just you if you’re solo). You choose the start date, and no payment is drafted until you’re ready.

4. Ongoing service: We’re not a one-and-done agency. We stay in touch and help with renewals, claims questions, or changes as your business grows.

Whether you’re just starting out or you’ve been in business for years, we’re here to take the confusion out of health insurance.

Final Thoughts

At My Private Health Insurance, we believe that no business is too small for quality health insurance. Offering coverage to your team—or to yourself as a self-employed professional—can boost retention, improve well-being, and help secure your future.

We specialize in helping small business owners, husband-and-wife teams, freelancers, and independent contractors find the right coverage at the right price.

Let’s talk. We’ll show you how affordable and flexible private health insurance can be—even for businesses with fewer than 10 employees.

📞 Call us today or visit MyPrivateHealthInsurance.com to get your free quote.