Mc Pherson Insurance Solutions
Insurance Solutions for Businesses & Entrepreneurs

Health Insurance for Small Businesses and the Self-Employed

Running a business means balancing risk, growth, and responsibility. Your health coverage should support that journey.

Small Business Coverage

Health benefits that support your team and your business

Providing health insurance is one of the most valuable benefits a business can offer employees. Group health coverage helps protect the wellbeing of your team while supporting recruitment, retention, and overall workplace satisfaction.

Small Group Health Plans

Coverage designed for businesses with small teams, offering comprehensive benefits for employees and their families.

Plans that provide employees with flexibility to visit providers both inside and outside of a network.

Network-based plans that often offer lower premiums and coordinated care through primary care providers.

Lower monthly premiums paired with higher deductibles, often eligible to work with Health Savings Accounts (HSAs).

Businesses can choose how much to contribute toward employee premiums.

Many group plans allow employees to extend coverage to spouses and children.

Dental & Vision Coverage

Everyday health benefits your employees value

Dental and vision coverage are popular benefits that help businesses support the everyday health of their employees. These plans can be offered alongside group health insurance or as standalone options depending on your company’s needs. Common dental & vision plan highlights:

Preventive Dental Care

Coverage for routine cleanings, exams, and X-rays to support long-term oral health.

Many plans include coverage for fillings and other common dental procedures.

Vision plans typically cover yearly eye exams for employees.

Allowances or discounts for frames, lenses, and contact lenses.

Businesses can choose how much to contribute toward employee coverage.

Dental and vision benefits can be offered with group health plans or separately.

Employee Benefits Strategy

Building a benefits strategy that supports your team

Offering the right mix of benefits can make a meaningful difference for both employers and employees. A thoughtful benefits strategy helps businesses attract talent, support employee wellbeing, and strengthen workplace satisfaction. Common employer benefit options:

Group Health Insurance

Comprehensive medical coverage that helps protect employees and their families.

Additional coverage that supports everyday healthcare needs.

Policies such as accident, cancer, or critical illness coverage that help employees manage unexpected medical costs.

Employer-sponsored life insurance that provides financial protection for employees’ families.

Businesses can structure benefit contributions in ways that fit their budget and workforce.

Support in building a benefits package that balances employee value and business sustainability.

I work with business owners to review available benefit options and identify solutions that align with the size, structure, and goals of their company.

Self-Employed Coverage

Health coverage designed for independent professionals

Entrepreneurs, freelancers, and independent professionals often need health coverage outside of traditional employer plans. Finding the right option can feel complex when balancing cost, flexibility, and the level of coverage you need.

Individual Health Insurance Plans

Coverage purchased directly for yourself or your family through private insurance carriers or the Marketplace.

Plans that may offer premium subsidies depending on income and eligibility.

Temporary coverage that can provide protection during transitions between longer-term plans.

Standalone options that support routine care and everyday health needs.

Plans such as accident or critical illness coverage that help offset unexpected medical costs.

Options that allow you to choose plans that align with your healthcare needs and budget.

Kimberly McPherson -Health Insurance Broker

Trust Signal

Why work with McPherson Insurance Solutions

Years in Healthcare
0 +
States Licensed
0
Insurance Providers
0 +

Proud Member of:

Need help comparing options?

Protect Your Business and Your Team With the Right Coverage