Modeled cost
What it costs: 10 employees, 50% employer split
Employer cost, this team
$160/mo · about $1,920/yr
$16/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 | $32/mo | $16/mo |
| Employee + spouse | $64/mo | $48/mo |
| Employee + child(ren) | $61/mo | $45/mo |
| Employee + family | $93/mo | $77/mo |
Illustrative mid market-average estimate (NADP/KFF/eHealth/MoneyGeek). Not a UnitedHealthcare quote — carriers price each company by census, ZIP and design.
Plan design
- Annual max: $1,000–$2,000 typical + MaxMultiplier rolls unused max forward
- Network: 119,000+ PPO providers; 25M dental members
- Orthodontia: rider gated at 10+ employees / 8+ enrolled
- Implants: excluded from base; available via the FlexAppeal buy-up
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 10+ employee owner who already uses UHC medical and wants to bundle dental for credits.
Strongest angle: Bundle-and-scale: a one-time credit up to $5,000 for adding lines, plus 2026 Level Funded dental+vision that auto-enrolls alongside 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 $1,920 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. It is a configurable framework, not a fixed product. Ortho is gated at 10+ employees; implants need a buy-up. No published $5,000 max. Bundling is incentivized, not required. Premiums quoted per company.
Keep exploring