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Why offer group healthinsurance to employees?

A well-designed group health plan can strengthen employee benefits, supportrecruiting and retention, and create potential tax advantages for an eligiblebusiness.

Reviewed 2026-07-30 Reviewed by our licensed insurance experts.
01 — Employee benefits

More than an insurance card

01

Recruiting

Health benefits can make a compensation package more competitive when candidates compare employers.

02

Retention

A stable benefit package may increase employeesatisfaction and reduce avoidable turnover.

03

Employee access

Group coverage can give eligible employees and dependents structured access to doctors, prescriptions and preventive care.

04

Shared cost

The employer chooses a contribution strategy,helping employees pay less than they would ifthey carried the entire premium alone.

02 — Business-owner advantages

Potential deductions and tax credits

Eligible small employers may qualify for the Small Business Health Care Tax Credit. Themaximum is generally 50% of employer-paid premiums, or 35% for eligible tax-exempt employers,for two consecutive taxable years.Employer-paid health-plan contributions may have tax treatment that depends on businessstructure and plan setup. MMG can explain plan options, while a tax professional should confirmdeductibility and credit eligibility.

The phrase "up to 50%" is not a guaranteed discount. It describes the maximum federal tax credit for employers that meet all applicable requirements.
03 — Better comparison

How MMG builds a cost-effective group plan

Related resources

01

Enrollment timing

Marketplace health plans and Medicare use different enrollment calendars. Knowing which period applies helps you avoid a coverage gap or a late-enrollment penalty.

 02

Choosing a plan

All four metal tiers cover essential health benefits. The main difference is how premiums and covered medical costs are shared between you and the plan.

 03

Small-business benefits

A well-designed group health plan can strengthen employee benefits, support recruiting and retention, and create potential tax advantages for an eligible business.