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Unit 108 B - 2635, 37 Ave NE,
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Group Health & Dental Insurance for Small Businesses
Group Benefits for Small Business
Group Health & Dental Insurance for Small Businesses
We place group health and dental plans for small businesses across Alberta, BC, Saskatchewan and Ontario — comparing quotes across Canadian insurers so you get real coverage for your team without overpaying.
10+ YrsServing Canadians
4Provinces Licensed
3,000+Clients Served
5.0Star Reviews
Where We Work
Licensed to place group plans in four provinces
Wherever your team is based, we shop the same panel of Canadian group insurers and bring back plans you can compare side by side.
Alberta
Calgary, Edmonton & province-wide
British Columbia
Group plans for BC-based teams
Saskatchewan
Regina, Saskatoon & surrounding areas
Ontario
Group coverage for Ontario employers
What’s Included
Build a plan from the benefits your team actually uses
We shop your group across multiple Canadian carriers and put together a plan that matches your budget and your employees’ needs.
Extended Health
Drugs, paramedical & vision
Prescription drug coverage, physiotherapy, massage, chiropractic, mental health support and vision care.
Dental Care
Preventive to major dental
Checkups, cleanings, fillings, and optional major restorative or orthodontic coverage.
Group Life Insurance
Protection for employees’ families
Optional group life coverage that can be added on top of a health and dental plan.
Disability Insurance
Income protection if illness or injury strikes
Short- and long-term disability options so your employees are covered if they can’t work.
Budgeting For A Plan
What group health & dental typically costs, by team size
Premiums depend on the province, the ages of your employees, and how rich the drug and dental coverage is. As a starting point, here is the typical monthly range per employee that we see when we shop a group in Alberta, BC, Saskatchewan or Ontario.
| Team size | Basic health & dental | Enhanced (+ life & disability) |
|---|---|---|
| 2–5 employees | $120 – $180 / employee / month | $180 – $260 / employee / month |
| 6–20 employees | $110 – $165 / employee / month | $165 – $235 / employee / month |
| 21–50 employees | $100 – $150 / employee / month | $150 – $215 / employee / month |
| 50+ employees | $95 – $140 / employee / month | $140 – $200 / employee / month |
Figures are typical ranges only, not a quote. Actual pricing depends on employee ages, the province, industry, plan design and claims history — we will get you exact numbers from multiple carriers before you decide anything.
Which Structure Fits Your Business
Health Spending Account vs. a traditional group plan
Not every small business needs a full insured group plan on day one. A Health Spending Account (HSA) is a tax-advantaged alternative or add-on, and the right choice depends on your team size, budget and how predictable you want your costs to be.
Traditional group plan
- Pooled insurance: predictable monthly premium, insurer carries the risk on big claims
- Includes drugs, dental, paramedical, and optional life & disability
- Usually needs a minimum number of enrolled employees
- Best when you want consistent, richer coverage employees can count on
Health Spending Account (HSA)
- You set a fixed annual dollar amount per employee; they claim eligible expenses against it
- 100% tax-deductible for the business, tax-free for the employee, no premiums to insurers
- Works well for very small teams (even a single incorporated owner) or to top up a thin group plan
- No pooled risk protection — a major claim is limited to the account balance
Many of the small businesses we work with start with an HSA and add a modest group plan once the team grows, or combine both: a lean group plan for drugs and dental, with an HSA top-up for anything the group plan doesn’t fully cover. We’ll walk you through which combination makes sense for your headcount and budget.
Before You Apply
Eligibility & waiting periods
Who’s eligible
Most insurers require a minimum of 2–3 enrolled employees to set up a true group plan, working a minimum number of hours per week (commonly 20–25). Owners and incorporated professionals can typically be included alongside their staff.
Waiting periods
New hires are usually eligible after 0–3 months of employment, depending on the plan you choose. Some insurers offer a day-one start for an extra cost if you want zero waiting period for new staff.
How It Works
Get a plan in place in three steps
01
Tell Us About Your Team
Employee count, ages and province — takes a couple of minutes by phone or WhatsApp.
02
We Compare Carriers
We shop your group across Canadian insurers and bring back real, comparable quotes.
03
Plan Goes Live
Once you choose a plan, we handle setup and your team is typically covered within two to three weeks.
Why Business Owners Choose Us
Independent, licensed, and easy to reach
4+Provinces Licensed
3,000+Satisfied Clients
5.0Star Reviews
10+ YrsServing Canadians
Common Questions
Frequently asked about group benefits
Do you offer group health and dental plans in AB, BC, SK and ON?
Yes. We are licensed to place group health, dental, life and disability plans for small businesses in Alberta, British Columbia, Saskatchewan and Ontario.
How small can a group plan be?
Most insurers will set up a group plan with as few as 2 or 3 enrolled employees. Below that, a Health Spending Account is usually the better fit — see the comparison above.
How much does group health and dental insurance cost?
As a rough guide, expect roughly $95 to $260 per employee per month depending on team size, province and how rich the coverage is (see the cost table above). We’ll get you exact numbers from multiple carriers once we know your team’s details.
What is a Health Spending Account, and do I need one instead of a group plan?
An HSA is a fixed annual dollar amount per employee that they can claim tax-free against eligible medical and dental expenses, with no monthly premium to an insurer. It suits very small teams or businesses that want to top up a leaner group plan. We can set up an HSA alone, a group plan alone, or both together.
Is there a waiting period for new employees?
Typically yes — most plans use a 0 to 3 month waiting period for new hires, though some insurers offer day-one coverage for an additional cost.
How long does it take to set up a group plan?
Most groups are quoted within a few business days and fully set up within two to three weeks of choosing a plan.
Is a group plan cheaper than employees buying individual coverage?
In almost every case, yes. Group rates are pooled across your whole team, and the business can typically deduct the premiums, which individual retail plans don’t offer.
Can incorporated owners and their families be included?
Yes. Incorporated business owners, and often their family members on payroll, can usually be enrolled alongside employees, subject to the insurer’s eligibility rules.
Do you compare more than one insurance company?
Yes. As an independent brokerage we shop your group across multiple Canadian carriers and show you the options side by side, rather than placing you with a single insurer by default.
Get a group benefits quote for your team.
Free, no-obligation quote. Tell us your team size and we’ll bring back real numbers from multiple carriers.