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Small Church Options

Updated: Nov 22, 2022



Let’s be honest, most churches in terms of employees are in the 1-20 range, with the majority of those being under 10. Even so, small churches still have multiple health insurance options.


Group – Many people aren’t aware that group health coverage is generally available for groups as small as two full time employees. Group offerings through various companies can offer a variety of plan designs and pricing that can be attractive to a small church.


Individual – Individual and family coverage is available via the Federal Marketplace at healthcare.gov. Individual coverage can often be an option where group coverage may not be a fit.


Health Reimbursement Arrangement – HRA’s are a type account based health option where employers can reimburse employees for medical care expenses. Employers decide the amount they will contribute. HRA’s can be used in any size employer.

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