Four Costly Misconceptions About SMB Health Insurance
Are Health Benefits Out of Reach for Your Small Business? Think Again.
As a small business owner, you know your team is your greatest asset. You want to protect them, keep them healthy, and build loyalty — but when the idea of offering group healthcare benefits comes up, the doubts start rolling in.
“It’s too expensive.” “My employees don’t care about insurance.” “The compliance is a nightmare.”
These are common beliefs — but they’re also costly misconceptions that can hold your business back.
At Realm Health Insurance Agency, we help small business owners separate myth from reality so they can make smarter, more confident healthcare decisions.
Let’s break down the four most common myths about SMB health insurance — and the truth that could save your company money while strengthening your workforce.
Myth #1: Health Insurance Is Too Expensive for Small Businesses
Yes, group health insurance is an investment. But it’s also one of the smartest financial decisions you can make for your company.
Here’s why:
Offering healthcare benefits can generate a 30–50% return on investment through improved retention, reduced turnover costs, and higher employee productivity. Healthier, happier teams perform better — and stay longer.
You may also qualify for significant tax advantages, which can reduce expenses by thousands of dollars each year. Always consult your CPA about potential deductions and credits for employer-sponsored coverage.
And cost stability? Realm Health’s primary carrier hasn’t raised rates in over five years, thanks to our long-standing partnerships with national insurers. That means predictable premiums and sustainable growth.
Myth #2: Employees Don’t Value Health Insurancet
It’s easy to assume employees would rather have a pay raise than a health plan. But the data tells a different story.
According to Harvard Business Review, 80% of employees would choose additional benefits over a pay increase. Why? Because the cost of healthcare is one of the biggest financial burdens Americans face.
When you offer health coverage, you’re sending a message: “We care about your well-being — not just your work.”
That message builds trust and loyalty that wages alone can’t match.
Realm Health takes that one step further — our agents are all human (not bots or call centers) based out of Dallas, Texas, who help employees find affordable, high-quality care near them. It’s how we turn coverage into confidence.
Myth #3: One Size Fits All
No two employees have the same healthcare needs. Younger team members may want preventive and virtual care, while older employees might prioritize access to specialists or chronic condition management.
That’s why Realm Health designs customizable benefit structures — offering flexibility for your team and affordability for your business.
Our plans are built to fit, not force-fit. Employees get meaningful choices, and you maintain cost control.
Myth #4: Health Insurance Doesn’t Affect Business Performance
Think of health insurance as more than an employee perk — it’s a performance driver. Businesses with robust health coverage see lower absenteeism, fewer disability claims, and stronger retention rates. Healthy employees show up, focus better, and deliver higher-quality work.
Poor employee health, on the other hand, leads to real financial consequences — from sick days to turnover to lost productivity.
sting in your team’s well-being isn’t just the right thing to do. It’s a strategic business move that fuels long-term growth.
Final Thoughts: Turn a Cost into a Competitive Advantage
SMBs that believe these myths often miss their biggest opportunity: to use health insurance as a growth lever, not just an expense.
Affordable, customizable benefits attract better talent, reduce churn, and help small businesses compete like big ones.
At Realm Health, we specialize in helping small business owners design plans that protect both their people and their profits.
ake Action: Secure Affordable Healthcare for Your Business
Don’t let misconceptions stop you from building a stronger, healthier company. Realm Health can help you:
- Explore Competitive Plans: Affordable group options tailored to your business needs.
- Maximize Your Savings: Learn about available tax credits and cost-saving strategies.
- Protect Your Team: Enhance retention, morale, and productivity with real healthcare support.
Call Realm Health Insurance Agency today or visit RealmHealth.com to explore smart, affordable healthcare solutions for your business.
Take control of your healthcare decisions today. Get Realm.
