How Much Does Small Group Health Insurance Cost? 
There are still too many variables to provide you a definitive answer . The state or states your workforce is located in , the size of your small business -LRB- less than 50 or greater than 50 employees ? -RRB- , the ages of your employees/spouses/dependent children to be covered , the number of dependent children to be covered , perhaps tobacco usage , plus factors such as health plan design all vary from group to group but are critical features defining fully insured health insurance rates in ObamaCare compliant plan designs . Speaking in very generic terms based upon marketplace quoting as of July 2014 , I would estimate unit cost ranges for small group plans -LRB- 2 to 49 employees -RRB- on a composite rated basis to generally fall within the following ranges : Employee Only : $ 250 to $ 425 Median : $ 325 Spousal Unit : $ 280 to $ 500 Median : $ 395 Per Child Unit -LRB- 3 max -RRB- $ 85 to $ 175Median : $ 120 -LRB- Note : dependent children age 21 to 26 charged separate young adult rate -RRB- This is based onno exhaustive analysis , just from what I have seen and gathered from my peers here in the mid-south . If someone were to give me the vague `` what would health insurance costs be for my small business '' questionto dosome business cost projections these would be reasonable ranges to expect to work within and approximate average costs per covered unit to experience at this time . 