At Q Insurance Group, we help small businesses put together cost-effective self-funded group health plans that work for both their budget and their employees.

Whether you’re a seasoned small business owner or just starting out, figuring out the cost of health insurance can be a challenge. With so many factors influencing pricing, there’s no one-size-fits-all answer—even for very small teams. The good news? Q Insurance Group offers self-funded options that make quality group health coverage more affordable and accessible.

Many small business owners assume health coverage will be too expensive if they have just a handful of employees. The truth is, even businesses with as few as 2 employees may qualify for a self-funded group health plan in most states. You don’t need a large workforce to explore cost-effective options with us.

We work closely with you to find a self-funded plan that meets your business needs without stretching your budget.

Q Insurance Group’s Self-Funded Program offers the same high-quality coverage as traditional health insurance but often at a lower cost. Since it’s self-funded, your business may even receive a refund in years when claims are lower than expected—helping you maximize your resources.

The program’s costs are broken down into three components:

• Plan Administration: Handles the day-to-day operations of the program.
• Stop-Loss Insurance: Protects your business from higher-than-expected claims.
• Claims: Covers actual claims incurred during the coverage period.
  
  

With a self-funded plan from Q Insurance Group, you gain full transparency into where your dollars are going, giving you peace of mind and insight into potential savings when claims are lower than anticipated.