In Michigan (and most states), you usually need at least 2 enrolled employees (sometimes up to 5, depending on the carrier). Sole proprietors without other employees often don’t qualify.

No. Employers typically pay 50–100% of the employee-only premium. Contributions for dependents are flexible and can be set as a percentage or fixed amount.

Yes. Many employers offer a “base plan” and a “buy-up plan,” or multiple plan types (like HMO and PPO) so employees can select what works best for their needs.

Standard group health covers medical, hospital, prescription drugs, preventive care, and mental health. Employers often add dental, vision, life, and disability insurance as extras.

Yes. Employer contributions are tax-deductible, and employee payroll deductions are typically made pre-tax, reducing taxable income for both.

Even small businesses with only a few employees can qualify for affordable group coverage. In some cases, tax credits may be available for very small employers (under 25 employees).

Generally 2–6 weeks, depending on the carrier, enrollment process, and whether you’re setting up for the first time or renewing.

No. Employees can waive coverage if they have other insurance (such as through a spouse or parent). Carriers require signed waiver forms in these cases.

Most plans offer COBRA or state continuation, allowing employees to keep coverage temporarily at their own expense.

Yes. Brokers/agents help with claims issues, ID cards, employee changes, compliance notices, and renewals year-round.