Reef Benefits Blog
Why Traditional Insurance Isn’t Working for Small Businesses
Hidden costs, red tape, and low ROI—here’s why small business owners are ditching insurance for something better.
If you’re a small business owner, you’ve probably faced this dilemma:
“I want to offer my team benefits… but health insurance is ridiculously expensive. And even when I do offer it, they still get hit with surprise bills and can’t find a doctor who takes it.”
You’re not alone. Let’s unpack your options.
Making health plans easy to understand
From overwhelmed to onboarded in under a week
You don’t need a 50-person HR team to offer great benefits. Reef Health makes launching your plan simple, fast, and stress-free.
Here’s how to get started:
Fixing a Broken Health Insurance System
How one company is rebuilding health benefits for small businesses from the ground up
If you’ve ever tried to offer health insurance to your team, you’ve probably had the same reaction most small business owners do: sticker shock, confusion, and a sinking feeling that you’re still not getting much in return.
Revolutionizing Small Business Employee Benefits
Subtitle: Affordable. Comprehensive. Built to help your team thrive.
If you’re a small business owner or franchise operator, offering competitive benefits has always been a challenge. Traditional group health plans are complex, expensive, and often out of reach—especially when your margins are tight.
Reef’s Five Pillars of Health Benefits
We go beyond healthcare.
Health benefits should support every part of your employees’ lives—not just their next trip to urgent care. Plus, we believe that better benefits means happier and retained employees for a better bottom line.
Reducing Employee Turnover: The ROI of Smarter Health Benefits
Great care = great culture = people who stay
Hiring is hard. Training is expensive. And turnover? Brutal.
According to the Bureau of Labor Statistics, the average cost of losing an employee can range from $4,700 to well over $15,000 depending on the role.
So how do you keep the people you worked so hard to find?
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Frequently Asked
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You’ll love the simplicity of the enrollment process. There is no laborious underwriting. There are no regional or state-specific pricing or hoops to jump through. One plan pricing covers all 50 states.
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Glad you asked! With Reef Healthcare plans you can expect savings of 20% the first year and an additional 20% the second year with expectations of an annual cap of 4.5% making healthcare a more manageable and predictable line item in your budget.
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Yes, you can work with out Reef benefits team to create the perfect blend of benefits for you and your business.
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No problem. We offer you the opportunity to have your own Corporate Wellness Program so your employees can enjoy the health benefits of day passes or monthly memberships at fitness facilities across the US. There are company fitness challenges or nationwide challenges that employees can participate in. It’s fun and helps build your company culture. But wait there’s more. Employees receive discounts on groceries, car insurance, tires, clothing, computers, dining, and other household items. We even offer a Reef PetRx Discount Savings Card. It’s about retaining, recruiting, and building a lasting culture for your team.
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No. We work directly with both franchised, and non-franchised businesses, trade associations, multi-unit platform companies, non-profits, and worker comp providers as well.
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Absolutely. Reef Health’s comprehensive wellness programs, including fitness memberships, mental health support, exclusive employee discounts, and medical plans are designed to enhance employee satisfaction and engagement, which can lead to reduced turnover rates.
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As a franchisee, you’ll have access to marketing support, sales training, a dedicated CRM system, and ongoing operational assistance. We are committed to helping our franchisees grow their businesses and succeed.
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Reef Health plans offer affordable, flexible alternatives to traditional health insurance. While we focus on preventive and wellness care, we also provide robust options for medical care, mental health services, and hospital coverage, with more predictable and manageable costs.
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Yes, Reef Health offers options that include coverage for an employee’s family members. Employees can select plans that provide benefits for spouses, children, and dependents.
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Yes! Reef Health plans comply with ACA regulations in multiple ways:
📌 Part A (Minimum Essential Coverage)
The Premium ($199) and Premium Plus ($479) plans meet MEC requirements.
📌 Part B (Affordability Standard)
In 2024, ACA affordability is based on 8.39% of an employee’s household income.
In 2025, it’s projected to rise to 9.02%.
Reef Health’s employer-sponsored plans make ACA compliance simple for Applicable Large Employers (ALEs) with 50+ employees.
For ALEs needing affordable and compliant healthcare solutions, Reef Health provides a cost-effective alternative that meets minimum contribution requirements.