Best Affordable Employee Health Insurance Plans

Summit Health Benefits offers IRS-compliant Section 125 Cafeteria Plans and Premium HealthShare options for small and mid-sized businesses. Compare all plans, included benefits, and employer costs below.

Three Clear Options

Choose from the free Cafeteria Plan, the Premium HealthShare plan, or a custom structure tailored to your workforce size and industry needs.

Core Plan: Section 125 Cafeteria Plan

$0 per employee per month. Funded entirely by FICA payroll tax savings. Includes 24/7 virtual urgent care, virtual primary care, mental health counseling, 800+ covered prescriptions, dental, vision, specialist messaging, and family coverage through a nationwide network of 350,000+ doctors.

What's Included in Every Plan

All plans include telemedicine 24/7, virtual primary care at $0, generic prescription coverage, mental health access, dental and vision discounts, lab tests at 60% off, imaging at 75% off, and a member portal and mobile app for managing all benefits.

Want Full Coverage?

The Premium Plan adds HealthShare coverage for major medical events including hospitalizations, ER visits, maternity care, cancer treatment, and specialist surgeries — comprehensive protection that supplements the base Cafeteria Plan.

Summit Shield

Summit Shield is our comprehensive HealthShare tier providing major medical coverage for $125 per employee per month. Combines Section 125 tax advantages with broad medical sharing coverage for complete employer and employee peace of mind.

Custom Plans

For businesses with specific workforce compositions or multi-location needs, Summit Health Benefits builds custom benefit structures. Contact our team for a tailored analysis.

How Employers Can Structure It

Employers can offer the Cafeteria Plan as standalone coverage, layer the Premium option on top, or combine both tiers with voluntary benefits. All structures are IRS-compliant and administered by Summit Health Benefits.

Ready to Get Started?

Schedule a free 10-minute demo. We will show you your exact FICA savings, plan options, and implementation timeline. No commitment required and no long-term contracts.