Health Insurance for Small Businesses

Get health plans designed for Arizona small business owners.
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Your Small Business Deserves AZ Blue

Your business is in our backyard and your employees are our neighbors. We've been providing accessible, personalized, quality plans for Arizona small businesses for almost 100 years.

  • More Affordable Solutions

    BlueSignatureSM Prosano® Group Plans offer a guaranteed 5% premium discount from comparable AZ Blue group plans and provide members with superior low or no-cost care at Prosano Health Centers.

  • More Personalized Service

    Our health solutions reduce risk and improve the health for Arizonans. Whether navigating a health scare or a new diagnosis, AZ Blue offers care solutions 24/7.

  • More Access to Care

    We cover care in all 15 Arizona counties. Over 96% of doctors and 98% of hospitals are included in our provider network. And your employees are covered nationwide with 95% of doctors and 95% of hospitals in the U.S.1
Save money and time by bundling coverage like dental, vision, disability and more.
Find Your Solution
  • BlueSignature Prosano Plans
  • Fully Insured Plans
  • Balanced Funding Plans

  • BlueSignatureSM Prosano® Plans

    Get a 5% guaranteed premium discount and provide low or no-cost exclusive care to your employees. 

    Download Guide (Opens in a new tab)

  • Best for small businesses who:

    • Want to give employees personal and caring treatment at Prosano Care Centers
    • Want to provide low-cost, flexible care options to their employees
    • Have employees in Maricopa and Pima counties
    • Want fully insured or balanced funding plan structures

Small Business Health Insurance FAQs

  • If you have fewer than 50 full-time employees, you are not required by law to provide health insurance. However, offering health insurance to your employees has the following benefits:

    • It supports your employees’ wellbeing
    • It allows you to attract and retain top talent 
    • It creates a healthier and more productive workforce

  • Depending on size, small businesses can purchase group health insurance one of three ways.

    • Directly through the insurer
    • By using a broker
    • By joining a benefits pool

  • Small business health insurance can be as little as $280*/month or $9*/day depending on the size and needs of your small business. The cost for your small business health coverage will depend on:

    • Number of employees
    • Age, health, and location of employees
    • Type of plan (PPO, HMO, High-Deductible Health Plan, etc.)

    When small businesses choose a BlueSignature ProsanoSM plan, they will unlock a guaranteed 5% premium discount when compared to similar AZ Blue plans.

    *Premium price shown is based on a metal plan with 5 employees and 13 members. Prices are subject to change based on the plan type, number of employees, demographics, and more. Contact an AZ Blue sales representative for full plan options and pricing.

  • Fully insured plans are a low-risk option for small businesses. You’ll pay a fixed monthly premium that covers claims, administration, and compliance. Because you are fully insured, surprise high claims are covered by an insurer like AZ Blue. Businesses that choose fully insured plans will pick from standard, pre-designed plans.

  • Balanced funding (level-funded) plans are more flexible than fully insured plans. You still pay a predictable monthly premium based on your employee group’s expected claims. This premium covers administrative costs, expected claims, and stop-loss insurance, which protects you from financial risk if claims are higher than expected. If your employees’ claims are lower than expected, you can get a refund or cash credit at the end of the year.

  • BlueSignature ProsanoSM plans give your employees exclusive access to Prosano Health® Care Centers throughout Arizona. These advanced primary care centers offer:

    • Personal, convenient, affordable care
    • Same or next-day appointments
    • Virtual or in-person option
    • Onsite labs
    • Short-term counseling
    • Chronic condition support
    • And more

    When small businesses choose a BlueSignature ProsanoSM plan, they will unlock a guaranteed 5% premium discount when compared to similar AZ Blue plans. Learn more about Prosano Plans by AZ Blue.

Resources for Your Small Business

  • Introduction to health insurance for small businesses

    Healthcare 101 Small Group Video 1 - Introduction

  • What are the requirements for a small business to offer health insurance?

    Healthcare 101 Small Group Video 2 - Requirements to Offer Health Insurance

  • What's a PPO? What's an HMO? Learn about these key insurance terms

    Healthcare 101 Small Group Video 3 - Key Insurance Terms

Health Plans For Your Business Starting at $280/Month*

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1 PPO members have access to providers in other states through the BlueCard® program, and to providers around the world through the Blue Cross Blue Shield Global Core® program.