Group Health Plans vs. Individual Plans: What’s Better for Your Team?
For most small businesses, the best choice comes down to team size and simplicity.
Want a simple alternative? Some businesses skip insurance entirely.
Group health insurance is better if you have 10+ employees, want everyone on the same plan, and are ready to handle more admin.
Individual plans with reimbursement (ICHRA) are better for teams under 10 that want flexibility and easier budgeting.
That’s the difference in plain terms. It’s about control vs. simplicity.
Want a simple alternative? Some businesses skip insurance entirely.
Quick Comparison
Group health plans: one-size coverage, employer-managed, more consistent
Individual plans: employee choice, employer reimburses, less admin
Startups usually prefer individual plans for flexibility
What’s Better for Your Business?
Ask:
Do I want to choose the plan or let employees decide?
Can I manage the admin load?
What works best for my size and budget?
If you're asking “what’s better for my business: group or individual health coverage?”, it depends on how much control and structure you want.
Wondering about the cost difference between group health plans, individual plans, and Direct Primary Care?
Bottom Line
There’s no universal answer, but the right one is easy to find once you know your priorities.
Book a free consult with Homesteady Health. We’ll help you compare your options and make a decision that fits your team.