Modeled cost
What it costs: 10 employees, 50% employer split
| 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 |
Plan design
- Network: 132,000+ providers nationwide; ~41.5% average in-network discount
- Small Business path for 2–9 employees; underwritten by United of Omaha
- Value-adds: Hearing Discount Program and AbsencePro (FMLA/ADA admin)
- Plan design (max, ortho, implants): built per group with a rep
Want to flex the headcount, contribution, salary and turnover assumptions? Open the interactive calculator. Note: Mutual of Omaha’s group plan design and rates are built per group with a rep, so the figures above are general market averages by band, shown for orientation only.
Why it pays off
The value for your team
Best for: The 2–9 employee owner who values the Mutual of Omaha brand and wants a rep to build a custom design.
Strongest angle: Trusted brand plus a solid network at a strong average discount, with ancillary add-ons available.
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.
Keep exploring