Modeled cost
What it costs: 10 employees, 50% employer split
Employer cost, this team
$250/mo · about $3,000/yr
$25/employee/mo
Employer pays 50% of the employee-only premium; dependents are employee-paid (the most common structure).
| Who's covered | Premium | Employee pays |
|---|---|---|
| Just the employee | $50/mo | $25/mo |
| Employee + spouse | $100/mo | $75/mo |
| Employee + child(ren) | $95/mo | $70/mo |
| Employee + family | $145/mo | $120/mo |
Illustrative premium market-average estimate (NADP/KFF/eHealth/MoneyGeek). Not a Aetna quote — carriers price each company by census, ZIP and design.
Plan design
- Annual max: $1,500 standard up to $2,500 (Gold)
- Coinsurance: richer designs pay 80% on major and implants
- Network: ~420,000+ dentist locations (one of the largest)
- Orthodontia: 50%, $1,500–$2,000 lifetime; child-only or adult+child by design
Want to flex the headcount, contribution, salary and turnover assumptions? Open the interactive calculator.
Why it pays off
The value for your team
Best for: The owner who wants the largest possible network and a richer design for standout coinsurance.
Strongest angle: Network breadth plus generosity: most local offices participate, and the Gold design reimburses major work and implants at 80%.
For a 10-person firm, voluntary turnover quietly costs roughly $12,000 to $28,000 a year (employees × ~13% turnover × salary × ~25% replacement cost). This plan runs about $3,000 a year for the team, so it only has to nudge retention slightly to pay for itself. See the cost of turnover for the full picture.
Honest caveat. Published commercial maxes top at $2,500; the only unlimited ceiling is the federal FEDVIP plan, not a small-group product. Some employer-mechanic details should be reconfirmed at quote. Premiums quoted per company.
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