Here is a simple path, in order.
1. Count your people
Write down every employee, their usual weekly hours and the state they work in. Hours tell you who is full-time. States tell you which extra rules apply. See the state pages.
2. Set a budget
Pick a monthly amount you could put toward benefits for each person. It does not need to be exact. A range is enough for a first call.
3. Ask your team
A short survey works. Ask what they would value most: health coverage, dental, time off, retirement savings. Ask who already has coverage through a spouse.
4. Compare options with an advisor
Look at a group plan and an HRA side by side, plus anything your state requires. See what a small business can offer.
5. Pick a start date and tell your team
Give people time to ask questions before the start date. If you choose a group plan, its waiting period for new hires cannot be longer than 90 days.
What this site does not do
There are no quotes and no sign-ups here. When you are ready, pick a time to talk.
