Small Business Health Insurance

Helping Small Businesses In Oklahoma City With the most Affordable Health Insurance plans available in the area.

Health Insurance for Small Businesses

Comprehensive and affordable coverage options for your employees

Why Offer Health Insurance?

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.

Attract & Retain Talent

Health insurance is one of the most sought-after employee benefits, helping you compete for top talent.

Tax Advantages

Employer contributions to health insurance are tax-deductible, and premiums can be paid with pre-tax dollars.

Increased Productivity

Employees with health coverage tend to be healthier, miss fewer workdays, and are more productive.

Employee Satisfaction

Providing health benefits shows you care about your employees' wellbeing, boosting morale and loyalty.

Small business team meeting

Small Business Health Insurance Options

Flexible solutions tailored to your business size and budget

Small Group Health Plans

Traditional group health insurance plans for businesses with 2-50 employees.

  • Comprehensive coverage options
  • Wide provider networks
  • Prescription drug coverage
  • Employer contribution flexibility

Association Health Plans

Join forces with other small businesses in your industry or region to access larger group rates.

  • Strength in numbers
  • Lower administrative costs
  • Industry-specific plan designs
  • Stable premiums

Additional Coverage Options

Enhance your employee benefits package with these supplemental options

Dental Insurance

Provide coverage for preventive care, basic procedures, and major dental work to promote oral health.

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Vision Insurance

Cover eye exams, glasses, contacts, and other vision-related expenses for your employees.

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Wellness Programs

Promote healthier lifestyles with wellness initiatives that can reduce healthcare costs over time.

Learn More

Health Savings Accounts

Offer tax-advantaged accounts that help employees save for qualified medical expenses.

Learn More

Our Simple Process

How we help you find the right health insurance for your business

1

Initial Consultation

We'll discuss your business needs, employee demographics, budget, and goals to understand what you're looking for in a health insurance plan.

2

Plan Research & Comparison

Our team will research and compare plans from our carrier partners to find options that best match your requirements and budget.

3

Plan Presentation

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.

4

Implementation

Once you've selected a plan, we'll help you with the enrollment process, employee communications, and all necessary paperwork.

5

Ongoing Support

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.

What Business Owners Say

Feedback from small businesses we've helped with health insurance

"As a small business owner with 12 employees, I was struggling to find affordable health insurance. Donaldson Insurance found us a level-funded plan that saved us 22% compared to our previous coverage while providing better benefits. Their expertise in small business health insurance is unmatched."

Marcus T.

Marcus T.

Owner, Tech Solutions Inc.

"Providing health benefits was a priority for our growing business, but I was concerned about the cost. Donaldson Insurance walked me through all the options and found a solution that fit our budget. Our employees are thrilled with the coverage, and it's helped us attract top talent in our industry."

Jennifer L.

Jennifer L.

Founder, Bright Marketing Agency

"The team at Donaldson Insurance made the entire process of setting up health insurance for my small business incredibly simple. They handled all the details, from comparing plans to employee enrollment. Their ongoing support has been invaluable, especially when helping my employees with claims questions."

Michael J.

Michael J.

Owner, Cornerstone Construction

Small Business Health Insurance FAQs

Common questions about health insurance for small businesses

How many employees do I need to qualify for group health insurance?

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.

How much does small business health insurance cost?

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.

Am I required to offer health insurance to my employees?

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.

What is a level-funded health plan?

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.

Can I offer different coverage to different 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.

Ready to Explore Health Insurance Options for Your Business?

Our small business insurance specialists can help you find the perfect coverage for your employees and budget.

Business team meeting