Dudek Insurance Agency

As a certified and licensed health insurance agent, I help small business owners find the right coverage for their teams. Whether you’re looking for Affordable Care Act (ACA) options or private health insurance plans, I’ll guide you through your choices and help you build a benefits package that fits your budget and your employees’ needs. Personalized support, transparent advice, and no extra cost to you.

Affordable ACA & Private Health Insurance for Small Businesses

Small Business Qualified Health Insurance

If you have fewer than 25 full-time equivalent employees, the government may cover up to 50% of your premium costs for two years—totaling as much as $72,000 per year. To qualify, you must offer coverage through a SHOP-certified plan, contribute at least 50% of premiums, and your average wage must be under $65K. There’s no mandate if you have under 50 employees, but the tax credit phases out above a $65K average wage.

Why We Ask for Your EIN:
Your Employer Identification Number (EIN) is required by NY State of Health to verify your business status and eligibility for the SHOP small group health plan and tax credit. The EIN is only used for this official eligibility check and is kept strictly confidential.

Small Business Health Insurance – Potential Savings of up to $144,000 | Get a Free Quote!

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✅ What are Small Business Qualified Health Insurance plans?

Frequently asked questions

Q: What makes a small business eligible to offer a Qualified Health Plan to employees in New York?
A: In New York State, the small group market allows businesses with 1–100 full‑time equivalent (FTE) employees to offer qualified health plans through the NY State of Health Small Business Marketplace or SHOP. This expanded state-specific definition applies starting from January 1, 2016. New York businesses within this size range may offer ACA-compliant coverage and may qualify for tax credits if eligible

Q: Are you licensed in my state?

A: I’m licensed in Texas, Florida, South Carolina, North Carolina, Michigan, New York, Ohio, Tennessee and more — and I help clients remotely by phone with no office visit needed.

Q: What if I don’t qualify for a subsidy?

A: I can still help you compare private health plans that may offer lower monthly costs, flexible networks, or short-term coverage options.

Q: Can you help me understand my options even if I don’t buy right away?

A: Absolutely — there’s no pressure. I’ll help you understand your choices so you can make the best decision for your situation.

Q: How do I get started?

A: Just click “Schedule a Free Health Plan Review” or give me a call — I’ll take care of the rest from there.