Updated July 2026 · IllinoisPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Small Business Health Insurance for Landscaping Companies in Glen Ellyn, IL

Small businesses in Glen Ellyn with at least two full-time employees can explore group health plans, with 5 carriers offering options in Rating Area 2 for 2026.
The average monthly premium for a Silver plan in Illinois for a 40-year-old is approximately $450-$600, with employer contributions often covering 50% or more.
Eligible small businesses may qualify for the Small Business Health Care Tax Credit, potentially covering up to 50% of employer-paid premiums.
Illinois Medicaid (Illinois Medicaid) covers pregnant women up to 213% FPL and children up to 313% FPL through Illinois All Kids, offering robust public options for families.

For landscaping business owners in Glen Ellyn, providing competitive health benefits is crucial for attracting and retaining skilled workers. Navigating the options, from traditional group plans to newer models like Individual Coverage Health Reimbursement Arrangements (ICHRA), requires understanding Illinois-specific rules and local market offerings. In Glen Ellyn, located in DuPage County, small businesses have access to a variety of plans through GetCoveredIllinois, the state's official health insurance marketplace, including HMO, EPO, and PPO structures. This guide will help Glen Ellyn landscaping companies understand their health insurance choices and find the best fit for their teams.

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What Health Insurance Options Are Available for Landscaping Businesses in Glen Ellyn?

Small business health insurance in Glen Ellyn primarily falls into a few categories, each with distinct advantages for landscaping companies looking to provide coverage for their employees.

Traditional Group Health Plans: These are the most common type of employer-sponsored insurance. As an employer, you choose a plan (or a selection of plans) from a carrier and contribute a portion of the employees' premiums. In Illinois, small group plans are generally available to businesses with 1 to 50 employees. For a landscaping business, this means providing a consistent benefit package, often with predictable monthly costs for the employer.

Individual Coverage Health Reimbursement Arrangements (ICHRA): An ICHRA allows employers to reimburse employees for health insurance premiums and other medical expenses they incur from individual plans purchased on the marketplace. This gives employees more choice in their plans and allows employers to set a fixed budget for health benefits, making costs more predictable. Employees in Glen Ellyn would purchase plans directly through GetCoveredIllinois.

Small Business Health Options Program (SHOP) via GetCoveredIllinois: While Illinois operates its own state-based marketplace, GetCoveredIllinois, it typically directs small businesses to work with brokers or directly with carriers for small group plans rather than maintaining a separate SHOP platform. However, the Small Business Health Care Tax Credit, which can cover up to 50% of employer-paid premiums, is facilitated through the marketplace for eligible businesses.

Understanding Illinois Requirements for Small Group Plans

For landscaping businesses in Glen Ellyn considering a group health plan, several state-specific requirements apply:

Employee Count: Most small group plans in Illinois require a minimum of two full-time equivalent (FTE) employees participating in the plan, not including the owner or a spouse. Some carriers may offer plans for sole proprietors with one employee, but this is less common for comprehensive group options.
Employer Contribution: Typically, employers are required to contribute a minimum percentage (often 50% or more) towards employee premiums. This helps ensure broad participation and makes the plans more attractive to employees.
Participation Rate: Carriers often require a certain percentage of eligible employees to enroll in the plan to avoid adverse selection. This rate can vary but is usually around 70%.

Meeting these requirements allows your Glen Ellyn landscaping business to access more favorable group rates and benefit from tax advantages associated with offering employer-sponsored health insurance.

How the Small Business Health Care Tax Credit Can Help Your Glen Ellyn Business

The Small Business Health Care Tax Credit is designed to help small employers afford health insurance for their employees. For your landscaping company in Glen Ellyn, this credit could significantly reduce the cost of providing benefits.

To qualify:

You must have fewer than 25 full-time equivalent (FTE) employees.
Your average employee wages must be less than approximately $58,000 per year (this figure is adjusted annually for inflation).
You must pay at least 50% of your employees' health insurance premium costs.
You must purchase coverage through GetCoveredIllinois (or a broker facilitating marketplace-eligible plans).

The maximum credit is 50% of the employer's contribution to premiums for small businesses and 35% for small tax-exempt organizations. This credit can be claimed for two consecutive tax years, offering substantial savings to qualifying Glen Ellyn businesses.

Health Insurance Carriers in Glen Ellyn

For 2026, 5 carriers offer marketplace plans in Rating Area 2, which covers DuPage and Kane counties, providing small businesses in Glen Ellyn with a range of choices. These carriers offer various plan types, including HMO, EPO, and PPO options, ensuring flexibility in network and cost.

Ambetter
Blue Cross and Blue Shield of Illinois
Molina Healthcare
Oscar Health
United Healthcare

When selecting a plan for your landscaping business, consider the specific needs of your employees, including their preferred doctors and hospitals, as well as the monthly premium costs and out-of-pocket maximums. While DuPage County does not have acute care hospitals within its boundaries, residents often travel to neighboring counties for services. Evaluating networks that include facilities convenient for your team is crucial.

Choosing the Right Plan Structure: Group vs. ICHRA for Your Landscaping Team

Deciding between a traditional group health plan and an ICHRA involves weighing several factors relevant to your Glen Ellyn landscaping business:

Feature	Traditional Group Health Plan	Individual Coverage HRA (ICHRA)
Employer Role	Selects specific plans, contributes to premiums.	Sets a budget, employees choose their own individual plans on GetCoveredIllinois.
Employee Choice	Limited to plans offered by employer.	Wide choice of individual plans on GetCoveredIllinois.
Cost Predictability for Employer	Premiums can fluctuate with claims experience and renewals.	Highly predictable; employer sets the reimbursement amount.
Administrative Burden	Moderate; managing enrollment, renewals, and compliance.	Lower; primarily managing reimbursements.
Tax Treatment	Employer contributions are generally tax-deductible.	Reimbursements are tax-free for employees and tax-deductible for employers.
Suitability for Landscaping Business	Good for larger teams wanting uniform benefits; easier enrollment.	Ideal for smaller teams wanting flexibility; attracts diverse employee needs.

Your decision should align with your budget, the size of your team, and your philosophy on employee benefits. An experienced health insurance agent specializing in small business plans can help you analyze these options in the context of your specific business needs in Glen Ellyn.

Frequently Asked Questions

What are the minimum employee requirements for a small business group health plan in Illinois?

In Illinois, most small group health plans require at least two full-time employees to participate, excluding the owner or a spouse. Some carriers may offer options for sole proprietors with one employee, but typically you need a minimum number of participating employees to qualify for a traditional group plan.

Can I get a tax credit for offering health insurance to my landscaping employees?

Yes, small businesses with fewer than 25 full-time equivalent employees (FTEs) that pay average wages of less than $58,000 (adjusted annually for inflation) and contribute at least 50% of their employees' premium costs may qualify for the Small Business Health Care Tax Credit, available through GetCoveredIllinois.

Are PPO plans available for small businesses on the GetCoveredIllinois marketplace in Glen Ellyn?

Yes, PPO plans are available on-exchange in Illinois for small businesses and individuals. In Rating Area 2, which includes DuPage and Kane counties, carriers like Blue Cross and Blue Shield of Illinois offer PPO options, alongside HMO and EPO plans, providing flexibility in network choice.

What are the differences between a traditional group plan and an ICHRA for my landscaping business?

A traditional group plan involves the employer selecting specific plans and contributing to premiums, while an Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to give employees tax-free funds to purchase their own individual marketplace plans. ICHRA offers more employee choice and predictable costs for the employer, but requires employees to navigate the individual market.