Most small business owners either overpay for group coverage they don't need or offer nothing at all — and lose talent as a result. Kieffer Insurance Group designs strategic benefit structures that are competitive, tax-efficient, and built for how your business actually operates.
1–50
Employees Served
6+
Benefit Strategies
Tax-Free
Reimbursement Options
Nationwide
Coverage Available
There is no one-size-fits-all solution. Kieffer Insurance Group evaluates all available strategies against your business structure, team size, and goals.
Traditional employer-sponsored group health plans. Kieffer Insurance Group evaluates group options across multiple carriers to find the most competitive structure for your team size and budget.
Best for: Businesses with 5+ employees seeking traditional group coverage
An Individual Coverage Health Reimbursement Arrangement allows employers to reimburse employees for individual health insurance premiums tax-free. No minimum contribution, no participation requirements, and available to businesses of any size.
Best for: Businesses wanting flexibility without traditional group plan complexity
Convert your business's health benefit costs into pre-tax deductions. A SIMRP reimburses employees for qualified medical expenses using pre-tax business dollars — saving on both income taxes and payroll taxes. The Turn Payroll Into Profits strategy.
Best for: Businesses with W-2 payroll seeking maximum tax efficiency
Designed specifically for small businesses with fewer than 50 employees that don't offer group health insurance. Reimburse employees for individual health insurance premiums and qualified medical expenses up to annual IRS limits.
Best for: Small businesses under 50 employees not offering group coverage
Enhance your benefits package with accident insurance, critical illness coverage, dental, vision, and life insurance. Voluntary benefits cost the employer nothing while significantly increasing the perceived value of your benefits package.
Best for: Any business wanting to compete for talent without increasing costs
Differentiated benefit structures for business owners and key executives. Includes enhanced Private PPO coverage, executive HRA arrangements, and tax-efficient supplemental benefit strategies.
Best for: Business owners and key executives seeking premium-level protection
| Feature | Group Plan | ICHRA | SIMRP | QSEHRA |
|---|---|---|---|---|
| Tax Deductibility | Employer premiums deductible | Reimbursements deductible | Reimbursements deductible | Reimbursements deductible |
| Employee Choice | Limited to plan options | Full individual market | Flexible | Individual market |
| Employer Flexibility | Fixed contribution | Any amount | Flexible | IRS annual limits |
| Min. Employees | Typically 2+ | 1+ | 1+ | Under 50 |
| Payroll Tax Savings | Partial | Yes | Yes (FICA) | Yes |
Small businesses have more options than most owners realize: (1) Traditional group health insurance — employer-sponsored plans covering all eligible employees; (2) ICHRA (Individual Coverage HRA) — reimburse employees for individual market coverage tax-free; (3) QSEHRA — for businesses under 50 employees not offering group coverage; (4) SIMRP — convert health benefit costs into pre-tax business deductions; (5) Voluntary benefits — supplement coverage at no employer cost. Kieffer Insurance Group evaluates all options against your business size, budget, and strategic goals to recommend the optimal structure.
Small businesses can offer competitive benefits without overspending by: (1) Using defined contribution strategies (ICHRA or QSEHRA) that set a fixed employer budget while giving employees choice; (2) Implementing SIMRP to convert existing health costs into tax deductions; (3) Adding voluntary benefits (accident, critical illness, dental, vision) at no employer cost; (4) Structuring benefits around what employees actually value rather than defaulting to expensive group plans. Kieffer Insurance Group specializes in designing benefit strategies that maximize perceived value while controlling employer costs.
Both ICHRA and QSEHRA allow employers to reimburse employees for individual health insurance premiums tax-free, but they differ in key ways: QSEHRA is available only to businesses with fewer than 50 employees that don't offer group coverage, with IRS annual contribution limits. ICHRA is available to businesses of any size, has no contribution limits, and can be offered alongside group coverage for different employee classes. Kieffer Insurance Group will determine which arrangement is most advantageous for your specific business structure and goals.
Businesses with fewer than 50 full-time equivalent employees are not required by federal law to offer health insurance under the Affordable Care Act. However, offering health benefits is one of the most effective ways to attract and retain talent. Kieffer Insurance Group helps small businesses design benefit strategies that are competitive, affordable, and strategically structured — even when not legally required.
A SIMRP (Self-Insured Medical Reimbursement Plan) allows a business to reimburse employees for qualified medical expenses using pre-tax business dollars. The reimbursements are deductible as a business expense (reducing income taxes) and are not subject to payroll taxes (FICA) — saving on both sides. It works alongside the health insurance you already offer. Kieffer Insurance Group's Turn Payroll Into Profits strategy is built around SIMRP implementation, and Christine will tell you honestly whether it fits your business.
Health benefits are consistently ranked among the top factors employees consider when evaluating job offers and deciding whether to stay with an employer. For small businesses competing with larger companies for talent, a well-designed benefit strategy can be a significant competitive advantage — even if the total cost is lower than a large company's plan. Kieffer Insurance Group designs benefit packages that maximize perceived value, giving small businesses a competitive edge in the talent market.
Explore how small business benefits connect with your broader strategy.