Health insurance guides for employers

Plain-English guides to choosing, funding and switching employee health insurance, written for founders, finance leads and HR teams at startups and small businesses.

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October 7, 2026Is Gusto health insurance good quality?Is Gusto health insurance good? An MD explains what you actually buy through Gusto (carrier plans, with Gusto as broker), how it's paid, and when to look elsewhere.
October 6, 2026How much does employee health insurance cost per month?Average employee health insurance costs per month in 2026: $777 for single and about $2,249 for family coverage, who pays what, why startups pay more, and how to pay less.
October 5, 2026Why are insurers and investors pushing ICHRA?Why insurers like Oscar and venture-backed platforms like Thatch are pushing ICHRA: who gains when employer dollars move to the individual market, and who bears the risk.
October 4, 2026What is a health savings account (HSA)?An MD explains health savings accounts: how an HSA works, 2026 contribution limits, the new 2026 eligibility rules, and how employers can use HSAs to cut deductibles.
October 3, 2026The complete guide to health insurance for YC startupsEvery health insurance option for a YC startup in 2026, compared by an MD founder: ACA, ICHRA, small group, PEO, large group, level-funded, and what we found surveying YC companies.
October 3, 2026How do I recruit FAANG talent to my startup?How startups win senior hires from Google, Meta and frontier labs: why health benefits decide offers, what candidates compare, and a sample benefits blurb for your offer letter.
October 3, 2026How do I get better health benefits as a startup?How startups can offer health benefits that compete with big tech: plan design that matters to candidates, what it costs, and how to pay for it.
October 3, 2026Guide to employee health benefits in 2026Employee health benefits in 2026: what premiums cost, what changed (HSAs, marketplace prices, ICHRA), your options as a startup or small business, and how to choose.
October 3, 2026Is Rippling PEO worth it?Is Rippling PEO worth it for health insurance? An MD's honest take: what Rippling does well, how PEO health plans are priced as you grow, and when to keep Rippling but leave the PEO.
October 3, 2026Is Justworks PEO worth it?Is Justworks PEO worth it for health insurance? An MD's honest take: what Justworks does well, what PEO fees and renewals cost as you grow, and when to switch.
October 3, 2026Is Thatch ICHRA worth it?Is Thatch worth it? An MD's honest review of Thatch ICHRA health benefits: what it costs ($45 per enrollee plus $50 a month), how ICHRA works for employees, and alternatives.
October 3, 2026Is ICHRA a scam for your employees?Is ICHRA a scam? An MD's blunt answer: it's legal, but many employees lose. The average allowance is about $583 a month and individual plans rose 26% for 2026.

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