Coverage
Do I have to offer coverage to my employees?
It depends on your team size and goals. Many owners start by covering themselves, then add team options later. Francy walks through the tradeoffs so you can decide what’s right for your business.
Business Coverage
Health coverage for your business
For owners, their families, and their teams — a clear, honest path to coverage that fits the business and its budget, without corporate-HR overhead.
Owner & team covered
One trusted advisor for you, your family, and the people you work with.
Where to start
Owner first, or the whole team?
Small business coverage isn’t one decision — it’s a sequence. Francy helps you start in the right place and build from there.
Cover yourself first
Owner coverage
Most owners start by covering themselves and their family. Solo owners have the same options as larger businesses — and often more flexibility. Francy helps you find coverage that protects the person the whole business depends on.
Owner coverage detailsGrow from there
Team coverage
When you’re ready to help cover your team, Francy walks through the tradeoffs of group versus individual options — so you attract and keep good people without a full HR department or a bloated group plan.
See the industries we serveIndustries
All industriesThe businesses Francy serves
From restaurants to real estate, she helps owners and their teams find coverage that fits.
Restaurants & Hospitality
Thin margins, hourly teams, and owners who are often the last to get covered.
Construction & Trades
Crews built on 1099 contractors and shifting job sites, where a lapse in coverage is common.
Medical & Dental Practices
Doctors and dentists who understand care deeply — and still deserve honest guidance on their own coverage.
Professional Services
Solo lawyers, accountants, and consultants leaving corporate benefits for the first time.
Real Estate
Agents and brokers who are 1099 — with commission income and no employer plan.
Retail & E-Commerce
Small teams where the owner is often the only person without coverage.
The payoff
Why coverage pays for itself
Protect the owner
The business runs on you. Your coverage is the first thing worth getting right.
Attract & keep talent
Good people weigh benefits heavily. Coverage helps you compete without the big-company overhead.
Budget-aligned
Private and individual options are often far more affordable than a traditional group plan.
Real PPO networks
Flexible, broad networks for you and the people you work with.
Compare with confidence
Plans laid out side by side, so the decision is yours — not a guess.
One trusted advisor
A single person who knows your business, not a call center.
How it works
A simple, honest process
01
Listen
We talk about your business, your team, and what coverage would actually help.
02
Compare
Individual, family, and team options explained in plain language.
03
Choose
Decide what fits your business and budget — no pressure.
04
Stay covered
Ongoing guidance as your business grows and changes.