Health Insurance Plans for Small Business

Build a benefits program that supports your people and your bottom line with guidance from Philadelphia Life and Health. We help small businesses compare group health insurance, ICHRA, and carrier options, then provide hands-on enrollment, administration, and renewal support. Our independent advisors make it easier to offer meaningful coverage, manage compliance, and control benefits costs throughout the year.

Small business team reviewing health insurance benefits

Our Small Business Health Insurance Services

Flexible health coverage, plan guidance, and ongoing support tailored to small employers and their employees.

Small Group Coverage

Compare affordable, compliant small group health insurance options that help eligible businesses provide coverage for employees and their families.

ICHRA Plans

Offer tax-advantaged reimbursements for individual health insurance premiums and eligible medical expenses through a flexible ICHRA benefit arrangement.

IBX Plans

Evaluate Independence Blue Cross coverage options with clear guidance on plan benefits, provider access, costs, and employee needs.

Year-Round Guidance

Benefits Built Around Your Business

Philadelphia Life and Health helps small employers turn complex health benefits decisions into a practical, sustainable program. We assess your workforce needs, budget, and coverage goals; compare appropriate group, ICHRA, and IBX options; and support enrollment, administration, claims advocacy, and renewals. As an independent advisor, we provide objective guidance across plan options while helping your team manage benefits with greater clarity and less administrative burden.

Benefits advisor discussing coverage options with business owners
The Local Difference

Why Choose Philadelphia Life and Health?

Independent, high-touch benefits support designed for the needs of small and mid-sized employers.

Independent Advice

Objective guidance across multiple carriers and plan options helps align coverage with your business goals.

Year-Round Support

Receive enrollment, claims advocacy, compliance, and renewal assistance beyond the open enrollment period.

Local Partnership

Philadelphia and East Norriton offices provide responsive account support instead of an impersonal call-center experience.

National Licensing

Licensed in all 50 states, with capabilities to support growing employers across multistate workforces.

Meet Our Benefits Team

Experienced advisors delivering personal support from selection through renewal.

Portrait of Adam Peltzman, team member at Philadelphia Life and Health

Adam Peltzman

Adam Peltzman is a valued member of the Philadelphia Life and Health team, contributing to the firm's mission of delivering independent, high-touch employee benefits guidance to businesses and individuals across the greater Philadelphia region. As part of a locally owned and independently operated agency, Adam works closely with clients to help simplify the complexities of health insurance, group benefits, and ongoing plan administration. He is committed to providing personalized service that goes beyond open enrollment, supporting clients with plan selection, enrollment assistance, and year-round account management. Adam's dedication to client advocacy reflects the company's core values of independent expertise and dedicated local service, ensuring that every business and family he works with receives thoughtful, reliable support.

Portrait of Barbara Bonini, team member at Philadelphia Life and Health

Barbara Bonini

Barbara Bonini is part of the dedicated team at Philadelphia Life and Health, an independent employee benefits and insurance advisory firm serving the greater Philadelphia region since 2002. Barbara supports the company's mission of helping small and mid-sized businesses, individuals, and families find affordable, quality health and life insurance solutions. Working within a locally owned agency, she helps clients navigate benefits administration, enrollment, and renewal strategy with a personal touch that larger call-center brokers cannot match. Barbara's focus on client advocacy and cost management aligns with the firm's commitment to being more than a broker, but a long-term partner. She takes pride in delivering attentive, year-round service to the businesses and families she assists throughout Pennsylvania.

Portrait of Noah Glassman, Senior Partner at Philadelphia Life and Health

Noah Glassman

Senior Partner

Noah Glassman is a Senior Partner at Philadelphia Life and Health, bringing extensive experience to the firm's employee benefits and insurance advisory practice. Since entering the insurance industry in 2007, Noah has held roles at major organizations including AIG, Cigna, and Independence Blue Cross, giving him a well-rounded understanding of carrier operations, plan design, and claims processes. He specializes in building deep, lasting relationships with small businesses and local clients throughout the greater Philadelphia region, helping them navigate group health insurance, benefits administration, and compliance with confidence. Noah's carrier background allows him to provide objective, informed guidance across multiple plan options, ensuring clients receive coverage tailored to their needs. His commitment to personalized, long-term partnership reflects the company's core values of independent expertise and dedicated local service.

Portrait of Jenielle Powell, team member at Philadelphia Life and Health

Jenielle Powell

Jenielle Powell is a member of the Philadelphia Life and Health team, contributing to the firm's ongoing mission of delivering personalized employee benefits and insurance guidance to businesses and individuals throughout the greater Philadelphia region and Pennsylvania. She supports the company's client-focused service model, which includes plan selection, employee enrollment assistance, and claims advocacy for small and mid-sized businesses with 2 to 200 employees. Jenielle helps clients navigate the often complex world of health insurance and benefits administration, ensuring they receive clear, accessible guidance throughout the year, not just during open enrollment. Her role supports the firm's broader commitment to reducing administrative burden for clients through comprehensive benefits, HR, and compliance support delivered with a local, hands-on approach.

Portrait of Diane Donatelli, team member at Philadelphia Life and Health

Diane Donatelli

Diane Donatelli is part of the experienced team at Philadelphia Life and Health, a locally owned employee benefits and insurance advisory firm serving the greater Philadelphia region since 2002. Diane assists clients with navigating health insurance, group benefits, and ongoing plan support, helping businesses and families find coverage that balances quality and affordability. As part of a firm licensed in all 50 states, she helps extend the company's reach while maintaining the local, personal service that sets it apart from larger, impersonal brokers. Diane's work reflects the company's dedication to employee advocacy and cost management, ensuring clients receive attentive support with plan selection, enrollment, and renewal strategy long after the initial sign-up process is complete.

Portrait of Peachy Colleluori, team member at Philadelphia Life and Health

Peachy Colleluori

Peachy Colleluori is a member of the Philadelphia Life and Health team, helping deliver the firm's high-touch approach to employee benefits and insurance advisory services throughout Philadelphia and East Norriton, Pennsylvania. Peachy supports clients ranging from small businesses to individuals and families seeking health and life insurance solutions, working within the company's model of year-round, hands-on service. Her contributions help clients manage benefits administration, HR support, and enrollment processes with the ease and clarity that larger institutions often lack. Peachy's commitment to responsive, local service reflects the firm's core values of personalized service and ongoing support, helping ensure that every client feels confident in the coverage and guidance they receive.

Portrait of Jonathan Pedone, team member at Philadelphia Life and Health

Jonathan Pedone

Jonathan Pedone is part of the dedicated team at Philadelphia Life and Health, an independent employee benefits and insurance advisory firm serving businesses and individuals across the greater Philadelphia region. Jonathan helps clients navigate group health insurance, Medicare options, and individual and family coverage, supporting the company's mission of finding sustainable, affordable solutions for every client. He contributes to the firm's comprehensive service model, which includes benefits administration, compliance support, and renewal strategy designed to control costs over time. Jonathan's work reflects the company's commitment to being more than a broker, serving as a long-term partner to the businesses and families he supports throughout Pennsylvania and beyond.

Portrait of Laura Wick, team member at Philadelphia Life and Health

Laura Wick

Laura Wick is a valued team member at Philadelphia Life and Health, supporting the firm's mission to provide independent, personalized employee benefits guidance to businesses and individuals in the greater Philadelphia region. Laura assists clients with health insurance enrollment, group benefits administration, and ongoing support throughout the plan year, helping ensure a smooth experience from initial selection through renewal. Her work supports the company's broader goal of reducing administrative burden for small and mid-sized businesses by combining benefits, HR, and payroll support under one roof. Laura's attentive, client-first approach reflects the firm's core values of dedicated local service and employee advocacy, helping clients feel supported well beyond open enrollment season.

Portrait of Zachary Ritz, team member at Philadelphia Life and Health

Zachary Ritz

Zachary Ritz is part of the Philadelphia Life and Health team, contributing to the firm's independent employee benefits and insurance advisory services for businesses and individuals throughout Pennsylvania and the greater Philadelphia region. Zachary helps clients explore group health plans, ICHRA options, and individual coverage, supporting the company's goal of delivering objective guidance across multiple carriers. He plays a role in the firm's comprehensive approach to benefits administration, helping businesses manage compliance, enrollment, and renewal strategy with confidence. Zachary's commitment to responsive, local service reflects the company's values of independent expertise and ongoing year-round support, ensuring clients receive the attention and guidance they need at every stage of their coverage.

Frequently Asked Questions

What health insurance options are available for small businesses?

Small businesses can generally consider small group health insurance, Individual Coverage Health Reimbursement Arrangements (ICHRAs), and carrier-specific options such as IBX plans. Small group coverage provides an employer-sponsored plan, while an ICHRA reimburses eligible employees for individual premiums and qualified medical expenses. The right approach should reflect your workforce size, budget, employee locations, and desired level of employer contribution.

How many employees do I need for small group health insurance?

What is an ICHRA, and how does it work?

Can small businesses offer health insurance to part-time employees?

How much should a small business contribute toward employee health insurance?

Can employees keep their doctors with a new health plan?

What support is available after employees enroll?

When should a small business begin planning for renewal?

Questions About Your Benefits Strategy?

Speak with an advisor for clear, personalized small-business coverage guidance.

Trusted Guidance

Awards and Recognition

Independent advisory trust indicator

Independent Advisory

Objective support across multiple plan options.

Nationwide licensing trust indicator

Nationwide Licensing

Licensed in all 50 states.

Since 2002 experience trust indicator

Since 2002

Long-term benefits advisory experience.

Build a More Confident Benefits Program

Tell us about your workforce, coverage goals, and current challenges. Our team will help you explore practical health insurance options and next steps.

Contact Us Today

For immediate assistance, feel free to give us a direct call at (844) 758-7879. You can also send us a quick email at group@philalifeandhealth.com.