Modeled cost
What it costs: 10 employees, 50% employer split
Employer cost, this team
$100/mo · about $1,200/yr
$10/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 | $20/mo | $10/mo |
| Employee + spouse | $40/mo | $30/mo |
| Employee + child(ren) | $38/mo | $28/mo |
| Employee + family | $58/mo | $48/mo |
Illustrative value market-average estimate (NADP/KFF/eHealth/MoneyGeek). Not a Anthem (BCBS) quote — carriers price each company by census, ZIP and design.
Plan design
- Annual max: $1,000 / $1,500 / $2,000 + Maximum Carry-Over (never expires)
- Takeover: Carry-In up to ~$1,000 of unused max from a prior carrier
- Network: Dental Complete ~143,000 dentists (or the smaller, cheaper Dental Prime)
- Orthodontia: standard child-only to age 18, 50%, $1,000–$1,500 lifetime
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 in an Anthem state who wants a recognizable Blue brand at a lower premium and does not need a high ceiling.
Strongest angle: Anthem pitches carryover plus network boost as "$2,500-max-equivalent at up to 15% lower premium," and does not require bundling Anthem medical.
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 $1,200 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. A genuine weakness: preventive services count against the annual maximum on Anthem designs (many competitors exclude them). Maxes top at $2,000; no $5,000. Available in ~14 states only. Premiums quoted per company.
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