Approximately 19% of working-age adults in the U.S. were in the process of starting a business less than 42 months old, according to the 2023 Global Entrepreneurship Monitor report. To attract and maintain a talented workforce, providing benefits may be essential. Our verdict Blue Cross Blue Shield is one of the few providers that has insurance options in all 50 states, so it’s a good choice for businesses nationwide. We evaluated seven leading providers and marketplaces of small business health insurance.