As a small business owner in Arizona, navigating the health insurance landscape in 2025 can be challenging—but it doesn’t have to be. Here are some practical tips to help you make informed decisions for your business and your team.

1. Understand Your Obligations

While not all small businesses are legally required to provide health insurance, offering coverage can give you a competitive edge. Check with an agent to understand how federal and Arizona-specific regulations apply to you in 2025.

2. Explore Level-Funded Plans

Level-funded health plans continue to be a popular alternative to fully insured plans in Arizona. These plans offer lower premiums and potential refunds if claims are lower than expected. They’re a great option for businesses with relatively healthy teams.

3. Maximize Tax Benefits

Offering health insurance may make your business eligible for tax deductions and credits. Work with a licensed insurance professional to make sure you’re taking full advantage of available savings.

4. Provide Employee Education

Your team may not fully understand the benefits of the plan you offer. Use onboarding sessions or FAQs to explain co-pays, deductibles, and in-network providers. Well-informed employees make better use of their benefits, increasing satisfaction and retention.

5. Work With a Local Specialist

Partnering with a local Arizona-based agent ensures you get up-to-date insights into plans, carriers, and mandates specific to our state. At Irons Family Insurance, we specialize in helping Arizona businesses get the best coverage—without the hassle.

Need help selecting the right group plan for 2025? Contact Matthew Irons today for a free consultation.

Why I Do What I Do

By Matthew Irons

When I started Irons Family Insurance, it wasn’t just about selling policies—it was about solving a real problem I saw every day: people confused, frustrated, and stuck trying to find affordable health insurance that actually made sense.

As someone who’s worked in this industry for over 15 years, I’ve seen the inside of it all—from national policy shifts to local market changes. But what hasn’t changed is the need for clear, honest guidance. That’s what I aim to provide to every family and business owner I meet.

Helping Arizona clients find coverage that fits their needs and budget isn’t just a job—it’s a mission. Whether it’s walking a single mom through open enrollment or helping a small business owner cut through red tape, I’m here to make health insurance hassle-free.

If you’re feeling overwhelmed, you’re not alone. And if you need a hand, I’m just a phone call away.

Let’s simplify your health insurance experience—together.