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Self Employed Benefits
Solutions for the Self-Employed

Finding affordable, reliable health coverage as a self-employed professional or very small business isn’t easy. We help you compare your options — so you can choose the right structure without overpaying or overcomplicating your setup.

Get Your PEO Alignment Score

Clear answers. No pressure.

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A disciplined PEO market review
— not random quoting.

Switching providers isn’t about chasing lower headline rates. It’s about aligning pricing structure, service model, compliance support, and long-term scalability.

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Five paths. One decision

Switching providers isn’t about chasing lower headline rates. It’s about aligning pricing structure, service model, compliance support, and long-term scalability.
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Option 01

PEO-Based Group Health Plans

What it is:
Partner with a Professional Employer Organization (PEO) to access group health insurance and bundled HR support.
Best for:
Small teams (5+ W-2 employees) wanting structured HR administration.
Benefits
  • Access to large-group carrier networks
  • Bundled payroll, compliance, and HR services
  • Predictable monthly administration
Benefits
  • Requires full payroll integration
  • Service fees apply
  • Minimum employee requirements
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Association Health Plans (AHPs)

What it is:
Join an industry association to access group insurance pricing without full PEO integration.
Best for:
1–1000 employees seeking group rates without bundled HR services.
Benefits
  • Requires full payroll integration
  • Service fees apply
  • Access to major carriers
Benefits
  • Availability varies by industry/state
  • Membership fees apply
  • Health questionnaires required
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Option 03

Self-Insured Plans (+ Stop-Loss)

What it is:
Your business funds claims directly while purchasing stop-loss insurance to cap risk.
Best for:
Larger small businesses with stable cash flow.
Benefits
  • Plan customization
  • Greater cost control
  • Potential long-term savings
Benefits
  • Financial risk exposure
  • Compliance complexity
  • Requires administrative oversight
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Option 04

Employer of Record (EOR)

What it is:
A third-party entity legally employs your workforce while you direct operations.
Best for:
Businesses hiring across states or internationally.
Benefits
  • Simplified compliance
  • Access to payroll and benefits infrastructure
  • Multi-state hiring flexibility
Benefits
  • Higher service fees
  • Less direct employer relationship
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Option 05

Administrative Services Only (ASO)

What it is:
A self-insured structure paired with outsourced claims administration.
Best for:
Businesses seeking flexibility with administrative support.
Benefits
  • Customizable plan design
  • ERISA simplification
  • Avoid state premium taxes
Benefits
  • Employer retains financial risk
  • Vendor coordination required
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Not every option fits
every business.

Choosing the wrong structure can increase costs and create compliance risk. We evaluate five core factors before making a recommendation.

5 Evaluation Points

  • 5 Evaluation Points
  • Headcount and eligibility
  • Geographic footprint
  • Administrative bandwidth
  • Long-term growth plans
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Independent guidance.
Clear comparisons.

We don’t push one model. We analyze your current structure, compare viable alternatives, and walk you through the tradeoffs — so you can make a confident decision.

  • Carrier benchmarking
  • Cost modeling
  • Risk analysis
  • Administrative comparison
  • Implementation guidance

Designed for

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Self-employed professionals
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Solo founders
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Small business owners
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Partnerships
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Growing teams under 25 employees