Employer Health Insurance Plans for Small Businesses

Build a benefits package that supports your people and your budget with Philadelphia Life and Health. We help small employers compare compliant group coverage, flexible ICHRA options, and carrier plans, then stay available for enrollment, claims, and renewals. From Center City startups to growing Greater Philadelphia teams, receive independent guidance that makes employee health benefits easier to manage year-round.

Small-business owner reviewing employee health insurance options

Our Employer Health Insurance Plans Services

Flexible health-benefit options and ongoing support for small businesses and their employees.

Small Group Coverage

Compare affordable, compliant small-group health insurance plans that help protect employees and eligible family members while aligning benefits with your business budget.

ICHRA Plans

Offer a flexible, tax-advantaged reimbursement approach for individual health insurance premiums and eligible medical expenses through an ICHRA plan.

IBX Plans

Evaluate Independence Blue Cross plan options for your business, with clear guidance on coverage features, costs, and employee healthcare needs.

Year-Round Benefits Support

Benefits That Work Beyond Enrollment

Philadelphia Life and Health helps small businesses turn health benefits into a practical tool for supporting employees and managing costs. We independently compare group plans, ICHRA arrangements, and carrier options, then guide plan selection, enrollment, claims questions, and renewals. For Philadelphia-area employers navigating competitive hiring and changing healthcare costs, our hands-on support reduces administrative pressure while helping employees understand and use their coverage.

Advisor explaining employee benefits to a small business team
The Local Partner Difference

Why Choose Philadelphia Life and Health?

Independent guidance and attentive support for benefits decisions that affect your business and employees.

Independent Guidance

Compare multiple carrier and plan options with objective recommendations tailored to your workforce.

Year-Round Support

Receive enrollment, claims, compliance, and renewal guidance beyond the open-enrollment period.

Philadelphia Roots

Local account support understands the needs of Philadelphia-area small businesses and growing teams.

National Licensing

Licensed in all 50 states, supporting employers with employees across Pennsylvania and beyond.

Meet Our Benefits Team

Personal guidance from experienced employee-benefits professionals.

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 is the minimum group size to qualify for a group life plan?

Minimum participation requirements for group life insurance vary by carrier, state, and the type of employer group. Many carriers consider small employer groups beginning with two eligible employees, but they may also require a certain percentage of eligible employees to enroll. Philadelphia Life and Health can review your workforce structure, owner eligibility, and carrier rules before you select a plan.

What is the minimum number of employees required for group insurance?

What health plan options are available to small businesses?

How does an ICHRA work for a small business?

Can employees include their families on the health plan?

When should a small business begin planning benefits enrollment?

What support is available after employees enroll?

How can a business control employee health benefit costs?

Have Questions About Employee Benefits?

Speak with our team for clear, personalized benefits guidance.

Licensed & Trusted

Awards and Recognition

Licensed in all 50 states badge

All 50 States Licensed

Nationwide licensing capability for employer coverage guidance.

Independent advisor credential badge

Independent Advisory

Objective guidance across multiple carrier options.

Established since 2002 badge

Established Since 2002

Longstanding employee benefits advisory experience.

Build a Better Benefits Strategy

Tell us about your team, current coverage, and goals. We’ll help you explore practical health-benefit 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.