What should a Brunswick company with 25–250 employees pay for health insurance?

There is no single normal, but there are two floors. In Glynn County for plan year 2026 the lowest-cost small group plan runs $630–$1,316 per employee per month depending on tier and age, and the lowest-cost individual plan runs $324–$768. If your current per-employee cost sits well above the small group floor, tier and plan design explain part of it and carrier loading explains the rest.

Because premiums are set locally. National benchmarks average away the thing that matters: the relationship between the small group and individual markets in your own rating area. In Glynn County that relationship is worth $306–$589 per employee per month, and a national figure would hide it entirely.

At the county's lowest-cost silver rate for a 50-year-old, 100 employees on small group is roughly $119,769 per month before any loading for richer plan design, versus roughly $60,892 for the individual-market equivalent. The illustrative annual difference is $367,200–$706,800, capped by what you actually contribute.

Inside the small group market, not as much as people expect. Small group rates are community rated by area and age rather than by your group's size or claims history, so a 40-person company and a 200-person company face similar per-employee rates for the same plan. What size changes is the total, which is why the same per-employee gap compounds quickly.

Send your census. We price both markets for Glynn County in the same plan year against your actual ages and family mix, and show the real figure. Free, and if your current plan is already the better deal we tell you.