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Benefits that help small teams hire and stay.

Group health, dental and vision or a flexible ICHRA allowance — we’ll compare costs and handle setup so you can get back to running your business.

Get a group quote
A small team gathered in a bright office for a meeting

Two ways to offer health benefits

The right choice depends on your team size, budget and how much control you want.

Traditional group plan

One plan or a few options for everyone, with the employer paying a share of premiums. Familiar and simple for employees.

Request a group quote

ICHRA allowance

You set a monthly tax-free allowance; employees choose their own individual plan. Predictable costs for you.

How ICHRA works

Add-ons

Dental, vision, life and disability plans that can be added to either option at low cost.

Ask about add-ons

ICHRA, in plain English

An Individual Coverage Health Reimbursement Arrangement lets you reimburse employees, tax-free, for health plans they pick themselves.

  • Set different allowances by employee class
  • No minimum participation requirements
  • Employees keep their plan if they leave
  • Your cost is capped at the allowance you choose
See if ICHRA fits
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From quote to coverage in three steps

  1. Census & goals

    Share ages and ZIP codes for your team, plus your budget. We’ll handle the rest.

  2. Compare & decide

    Side-by-side group and ICHRA options with total employer cost.

  3. Enroll your team

    We run an employee Q&A, collect applications and set up billing.

Get your free quote in about 2 minutes.

Answer a few questions and a licensed Nestwell advisor will send real plan options — usually the same business day.

  1. 1Coverage
  2. 2Location
  3. 3People
  4. 4Priorities
  5. 5Contact

Rather talk? Call (555) 017-4410
Mon–Fri 8am–6pm MT

Who needs coverage?

Choose the option that fits best. You can change it later.

Who needs coverage

Where do you live?

Plans and prices depend on your county.

Please enter a 5-digit ZIP code.

Who needs coverage?

Ages help us estimate prices. We never share your details.

$62,000

What matters most?

This helps us choose which plans to show first.

Where should we send your options?

Review your answers, then add your contact details.

Please enter your name.
Please enter a valid email.
Please enter a valid phone number.

By sending, you agree that a licensed Nestwell advisor may contact you about health insurance. No obligation to buy.

Request received — in demo mode.

Thanks! This is a demo, so nothing was sent. On the live site, an advisor would email your plan options within one business day.

Back to home

Business owner questions

In most states, two or more eligible employees, which can include the owner and one employee. Requirements vary by carrier.
Many carriers require the employer to pay at least 50% of employee-only premiums. With ICHRA, you set the amount.
With ICHRA you can set classes, such as full-time and part-time. Group plans generally must be offered to all eligible employees.