Helping Small Businesses In Oklahoma City With the most Affordable Health Insurance plans available in the area.
Comprehensive and affordable coverage options for your employees
Providing health insurance is one of the most valuable benefits you can offer your employees. It not only helps you attract and retain top talent but also contributes to a healthier, more productive workforce.
At Donaldson Insurance, we understand the challenges small businesses face when it comes to offering competitive benefits while managing costs. That's why we've developed specialized health insurance solutions designed specifically for small businesses.
Health insurance is one of the most sought-after employee benefits, helping you compete for top talent.
Employer contributions to health insurance are tax-deductible, and premiums can be paid with pre-tax dollars.
Employees with health coverage tend to be healthier, miss fewer workdays, and are more productive.
Providing health benefits shows you care about your employees' wellbeing, boosting morale and loyalty.
Flexible solutions tailored to your business size and budget
Traditional group health insurance plans for businesses with 2-50 employees.
A hybrid approach that combines the benefits of self-funding with the predictability of fixed monthly payments.
Join forces with other small businesses in your industry or region to access larger group rates.
Enhance your employee benefits package with these supplemental options
How we help you find the right health insurance for your business
We'll discuss your business needs, employee demographics, budget, and goals to understand what you're looking for in a health insurance plan.
Our team will research and compare plans from our carrier partners to find options that best match your requirements and budget.
We'll present you with a selection of plans that meet your needs, explaining the benefits, costs, and features of each option in clear, easy-to-understand terms.
Once you've selected a plan, we'll help you with the enrollment process, employee communications, and all necessary paperwork.
Our relationship doesn't end after enrollment. We provide year-round support for you and your employees, including claims assistance, benefit questions, and annual plan reviews.
Feedback from small businesses we've helped with health insurance
Common questions about health insurance for small businesses
In Oklahoma, you can qualify for small group health insurance with as few as two employees. This can include the owner, but generally doesn't include the spouse or business partner. The other employee(s) must be W2 and work a minimum of 30 hours per week. Our team can help you understand the specific requirements based on your location and business structure.
The cost of small business health insurance varies based on several factors, including your location, the size of your group, employee demographics, plan design, and carrier. On average, employers contribute 70-80% of the premium for employee coverage, with employees paying the remainder. Our team can provide you with specific quotes based on your business's unique situation.
Businesses with fewer than 50 full-time equivalent employees are not legally required to offer health insurance. However, providing health benefits can give your business a competitive advantage in attracting and retaining talent.
Level-funded health plans are a hybrid between fully-insured and self-funded plans. With level funding, you pay a consistent monthly premium (like traditional insurance), but a portion of that payment goes into a claims fund for your employees. If claims are lower than expected, you may receive a refund at the end of the year. These plans often offer more flexibility in plan design and potential cost savings for groups with healthier employees.
You can create different classes of employees (such as full-time vs. part-time, or by job category) and offer different benefits to these classes, as long as the distinction is based on legitimate business classifications and not health factors. Our team can help you design a compliant benefit strategy that meets your business needs.
Our small business insurance specialists can help you find the perfect coverage for your employees and budget.