Small group sign-up window: Nov 15 – Dec 15

Health benefits your team will value, at a cost you can plan for.

In one free 30-minute call, we compare group plans, ICHRA, and QSEHRA side by side, check if you qualify for the small business tax credit, and send you a written recommendation.

or call 786-292-0180

4.8 from 24 Google reviewsLicensed in 30 statesHablamos español

Andrew & Jasmine Harris, licensed benefits brokers

Why 2027 is a good time to review

Costs keep rising

The average employer plan cost $9,804 a year for one person and $28,303 for a family in 2026, both up 5%.

An easier way in

From November 15 to December 15, insurers must accept small groups even if you don't meet their usual sign-up rules.

A tax credit may help

Businesses with fewer than 25 full-time-equivalent employees may get a credit of up to 50% of what they pay toward premiums.

Three ways to offer benefits

There’s no one right answer. We show you the cost of each for your team, so you can choose.

Group health plan

One plan for your whole team. You pay part of the premium, often at least 50% of employee-only coverage.

ICHRA

You set a tax-free monthly allowance. Employees use it to buy their own plan. Works for any size business.

QSEHRA

A tax-free allowance for businesses with fewer than 50 full-time-equivalent employees and no group plan.

Dental and vision can be added to any of these.

Rated 4.8 stars by 24 clients on Google

    
 
 
       Posted on Google  
   
   Virginia M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Andrew was very helpful in helping me to see which program would best suit my needs.And after reviewing all the programs , I picked the best one for me. He was kind and not pushy.I like that in a person.
  
 
      Posted on Google  
   
   Miguel R 
 
 
 
 Trustindex verifies that the original source of the review is Google. Easy and simple. Thanks.
  
 
      Posted on Google  
   
   Flora S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very professional, knowledgeable, kind, and listen to my medical needs. Customer service was very good, something is very rare these days.
  
 
      Posted on Google  
   
   Mark M 
 
 
 
 Trustindex verifies that the original source of the review is Google. I connected with Andrew when trying to find thw right healthcare coverage for my family.  I had a somewhat complicated experience with the state of Illinois as my qualifying event was in question.  Andrew was incredibly effective at helping me sort through things and he was instrumental in getting us a good outcome.  Andrew was calm, thoughtful patient, and really easy to work with.  I’d highly recommend him to anyone
  
 
      Posted on Google  
   
   The S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jasmine was super attentive and thorough. She helped me make an educated decision by evaluating my priorities and giving me additional insight and providing pros and cons on each plan/provider. You can tell she is extremely knowledgeable and has a natural inclination to help others. I would recommend her and Simple Start with my eyes closed to any friend or family.
  
 
      Posted on Google  
   
   Keitha B 
 
 
 
 Trustindex verifies that the original source of the review is Google. Andrew has been so great at selecting  insurance packages for me based on my desire to stay with my favorite doctors and hospitals. I've worked with him for 2 years  and he has expertly guided me through the ACA marketplace. He is very responsive and patient.
  
 
      Posted on Google  
   
   Molly W 
 
 
 
 Trustindex verifies that the original source of the review is Google. Andrew is always honest, straightforward & very helpful!
  
 
      Posted on Google  
   
   Cindy H 
 
 
 
 Trustindex verifies that the original source of the review is Google. In the expensive and overwhelming world of insurance, Andrew Harris provides a terrific service - checking options, providing clear explanations and professionalism. I highly recommend his services.
  
 
      Posted on Google  
   
   Scott W 
 
 
 
 Trustindex verifies that the original source of the review is Google. Andrew was a huge help with navigating some snags with the marketplace. Quick, knowledgeable, and friendly. Highly recommended.

Read all reviews on Google ★ Leave us a review

How it works

Book a 30-minute reviewUse the short form below or call us. Tell us your team size and what matters most.

We do the shoppingWe compare plans from several insurance companies and check the tax credit for you.

Get a written recommendationYou see your options side by side, with clear costs. No pressure, no obligation.

Free download

The 2027 Small Business Benefits Checklist

7 things to check before you sign or renew
The 2027 numbers that affect your costs
A one-page snapshot to fill in before your review

Free. No email or sign-up needed. Print it or save it to your phone.

Request your free benefits review

Takes about 1 minute
A licensed broker calls you, not a call center
Group, ICHRA, and QSEHRA compared side by side
Our help costs you nothing

Please don’t include employee health information here.

First name

Phone

ZIP code

Company name

Number of employees

Preferred language

English Español

Prefer to talk? Call or text 786-292-0180

Questions employers ask

What does your help cost?

Nothing. Insurance companies pay us, and your premiums are the same with or without a broker.

Is my business too small?

Often not. Many insurers offer group plans to very small businesses, and an ICHRA or QSEHRA can work even for a few employees. Rules vary by state, so we check for you.

Do I have to pay for family coverage?

No. Insurers usually ask you to pay part of employee-only coverage. Paying toward family coverage is up to you.

When can coverage start?

Small group plans can start in any month. If you have trouble meeting insurer sign-up rules, apply between November 15 and December 15 for a January 1 start.

¿Hablan español?

Sí. Choose Español on the form, or call us.

Download the free 2027 Small Business Benefits Checklist

Want benefits in place for January 1? Start now.

Simple Start Insurance is a licensed insurance agency. This page is general information, not tax or legal advice. Insurer rules vary by state and carrier.

Sources: KFF 2026 Employer Health Benefits Survey; Kilpatrick Companies; IRS small business tax credit; IRS QSEHRA.