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

Small Business Health Insurance for Roofing Companies in Lombard, Illinois

Small roofing businesses in Lombard with 2+ employees can typically access group health plans, often requiring 70% employee participation.
In 2026, 5 carriers offer marketplace plans in Illinois Rating Area 2, which includes DuPage County, providing options for employees.
PPO plans are available on-exchange in Illinois, offering greater network flexibility for employees compared to HMO or EPO options.
Employers can explore Individual Coverage HRAs (ICHRAs) to reimburse employees for individual plan premiums tax-free, offering budget predictability.

For roofing companies in Lombard, Illinois, providing health insurance to your team is a critical decision that impacts recruitment, retention, and financial planning. Whether you're a small crew just starting out or an established contractor, understanding the available options is key. In Lombard and the broader DuPage County, small businesses have several avenues for health coverage, including traditional group plans, innovative reimbursement models like ICHRA, and individual marketplace plans through GetCoveredIllinois. The best fit depends on your business size, budget, and employee needs, with options ranging from comprehensive PPO plans to more cost-effective HMOs.

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What Health Insurance Options Are Available for Roofing Businesses in Lombard?

Small businesses in Lombard, including roofing contractors, generally have three primary approaches to offering health insurance:

Traditional Group Health Plans: These are employer-sponsored plans where the business contracts with a carrier to provide coverage to all eligible employees. The employer typically pays a portion of the premium, and employees contribute the rest. Eligibility usually requires a minimum of two full-time employees (including the owner) and a certain participation rate (e.g., 70% of eligible employees enrolling).
Individual Coverage Health Reimbursement Arrangements (ICHRAs): An ICHRA allows employers to reimburse employees for individual health insurance premiums and qualified medical expenses on a tax-free basis. Employees then purchase their own plans through GetCoveredIllinois or the open market. This offers employers predictable costs and employees greater choice.
Facilitating Individual Marketplace Plans: While not directly providing a group plan, employers can help employees navigate the GetCoveredIllinois marketplace. Employees may qualify for subsidies (Premium Tax Credits) based on their household income, making individual plans more affordable. Employers can choose to offer taxable stipends to help with premiums, though this lacks the tax advantages of an ICHRA.

Choosing the right option involves weighing cost, administrative burden, employee choice, and tax implications specific to your roofing business.

Understanding Group Health Plan Eligibility and Costs in DuPage County

For many small roofing businesses, a traditional group health plan offers a structured benefit. To qualify for a small group plan in Illinois, your business typically needs at least two full-time equivalent employees, including the owner. Most carriers in Rating Area 2, which covers DuPage and Kane counties, will also require a participation rate, often around 70%, meaning a majority of your eligible employees must opt into the plan. Premiums for group plans are influenced by factors such as the age and demographics of your employee base, the plan type (HMO, EPO, PPO), the deductible, and the chosen metallic tier (Bronze, Silver, Gold, Platinum). Employers generally contribute a significant portion of the premium, often 50% or more, with the remainder covered by employees. These employer contributions are typically tax-deductible for the business. Consider the following estimated monthly premium ranges for a single employee in DuPage County (Rating Area 2) on a small group plan, before employer contributions:

Metallic Tier	Estimated Monthly Premium Range (Individual)	Key Features
Bronze	$350 - $550	Lower premiums, higher deductibles, suitable for healthy employees.
Silver	$450 - $700	Moderate premiums and deductibles, good balance of cost and coverage.
Gold	$550 - $900	Higher premiums, lower deductibles, more comprehensive coverage.

Note: These are estimates and actual costs will vary based on carrier, specific plan details, and employee demographics.

Leveraging GetCoveredIllinois for Individual Coverage

For roofing businesses with fewer than two employees, or for those looking for more employee flexibility, the GetCoveredIllinois marketplace is a crucial resource. Illinois operates its own state-based marketplace, making it easier for residents, including self-employed contractors and employees of small businesses without group coverage, to find individual health insurance. Through GetCoveredIllinois, individuals can access subsidies (Premium Tax Credits and Cost-Sharing Reductions) that significantly lower monthly premiums and out-of-pocket costs, based on household income and family size. PPO plans ARE available on-exchange in Illinois, offered by carriers like Blue Cross and Blue Shield of Illinois, alongside HMO and EPO options. This provides Lombard residents with a variety of plan structures to choose from. For a single individual in Lombard, with a median income of $100,362 (per U.S. Census Bureau ACS 2024 5-year estimates), they may not qualify for significant subsidies, but they can still find a range of plans. For employees with lower incomes, subsidies can make quality coverage very affordable. Illinois Medicaid also provides coverage for adults with income up to 138% of the Federal Poverty Level, so lower-wage employees may qualify for this program.

Health Insurance Carriers in Lombard

In 2026, 5 carriers offer marketplace plans in Rating Area 2, which covers DuPage and Kane counties. These carriers provide a range of plan types and networks for Lombard residents, including small business owners and their employees. The confirmed carriers operating in this area include:

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

When evaluating plans, consider the network of doctors and hospitals, especially given that DuPage County currently has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for hospital services. Checking if a plan includes preferred providers in nearby Cook or Kane counties is important.

Making the Best Health Insurance Decision for Your Roofing Business

Deciding on the best health insurance approach for your Lombard roofing company involves balancing several factors:

Budget: Determine how much your business can realistically contribute to employee health benefits. Group plans involve fixed employer contributions, while ICHRAs offer more budget control with fixed reimbursement amounts.
Employee Needs: Consider the age, health status, and preferences of your workforce. Some employees may prioritize broad network access (PPOs), while others may prefer lower premiums (HMOs).
Administrative Capacity: Group plans require ongoing administration for enrollment and claims. ICHRAs can simplify administration by shifting plan selection to employees, though you'll manage reimbursements.
Tax Advantages: Employer contributions to group plans and ICHRA reimbursements are generally tax-deductible for the business. Individual premiums paid by self-employed owners may also be deductible under certain conditions.

A licensed health insurance producer can help you compare detailed quotes, analyze eligibility requirements, and navigate the complexities of each option, ensuring you find a solution that supports both your business and your team.

Frequently Asked Questions

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

Typically, a small business in Illinois needs at least two full-time equivalent employees, including the owner, to qualify for a group health plan. Most carriers require a minimum participation rate, often around 70%, meaning a certain percentage of eligible employees must enroll in the plan.

Can roofing company owners in Lombard get tax deductions for health insurance?

Yes, if you own a roofing company, the premiums paid for a group health plan are generally 100% tax-deductible for the business. If you are a self-employed individual or a partner in a partnership, you may be able to deduct premiums for your individual health insurance plan as self-employed health insurance deductions, provided you meet IRS criteria and are not eligible for a group plan from another employer.

Are PPO plans available for small businesses in Lombard?

Yes, PPO (Preferred Provider Organization) plans are available for small businesses in Lombard, Illinois, both on and off the GetCoveredIllinois marketplace. Blue Cross and Blue Shield of Illinois, for example, offers PPO options in Rating Area 2, which includes DuPage County, providing more flexibility in provider choice compared to HMO or EPO plans.

What is an ICHRA and how can it benefit a roofing business?

An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to reimburse employees for individual health insurance premiums and other qualified medical expenses on a tax-free basis. For a roofing business, an ICHRA offers budget predictability, as the employer sets a fixed contribution amount, while employees gain flexibility to choose plans that best fit their individual needs from GetCoveredIllinois or the open market.