Employee benefits — 2 to 50 employees
Build a benefits plan that supports your team and your business
Abrams Insurance helps companies with 2–50 employees design competitive, cost-effective benefits plans that support hiring, retention, and long-term growth.
Who this is for
Built for small and growing businesses
Small businesses hiring their first employees
Growing companies that need more structure
Businesses renewing and facing premium increases
Owners looking to improve retention and culture
core coverage
What a typical plan includes
| Coverage | Details |
|---|---|
| Health & dental | 80–100% coverage |
| Drugs | 80% or pay-direct |
| Paramedical | $500–$1,000 |
| Vision | $200 every 2 years |
| Life insurance | $25,000–$100,000 |
| Long-term disability | 2/3 income replacement |
Sample plan design
How a 10-employee company might structure coverage
| Class | Coverage |
|---|---|
| Executives | Enhanced benefits + HCSA $5,000 |
| Management | Standard benefits + HCSA $2,000 |
| Staff | Core benefits |
Cost control
Strategies to manage your plan costs
Use an HCSA to offset premium increases
Use a class structure for flexibility across different employee groups
Adjust co-pays between 80% and 100% to balance cost and coverage
Annual review and marketing to carriers to keep rates competitive
Ready to build or review your plan?
Book a consultation to see how your current benefits compare and what improvements are possible.