Health Insurance for your Small Business in Scottsdale, Arizona
All business owners want to do right by their team by utilizing health insurance for your small business. If you’re a growing business owner and focusing on building and scaling your workforce, you REALLY want to do right by your team. You want to offer health benefits, be competitive in the market, attract talent, and retain people—but the second you start looking into traditional group insurance, the numbers get ridiculous.
I’ve had multiple business owners reach out to me saying the same thing: “We called Blue Cross Blue Shield (or insert any commercial plan here) and got quoted $700 a month per employee—and it doesn’t even cover much.” And that’s before deductibles, co-pays, or network limitations kick in.
It’s no wonder smaller businesses are looking for something else. Anything else…
What used to be considered “alternative care” is now becoming the smarter, more sustainable move. That’s why we’re seeing more and more companies, especially here in Scottsdale, Arizona, pivot to concierge medicine as their primary healthcare benefit for employees.
If you’ve been struggling with rising premiums, frustrated by insurance restrictions, or working with mostly 1099s who don’t qualify for group plans—this might be exactly what you’ve been looking for.
The Cost Problem with Traditional Health Insurance
Let’s say you have a team of 20 full-time employees. You want to offer coverage, so you call around for small group health insurance quotes. Most commercial carriers will quote you around $500–$800 per employee, per month, depending on age and location.
That’s $10,000 to $16,000 a month just to provide the option of care—many employees still skip visits or pay out of pocket because of high deductibles and limited networks.
Now let’s factor in that small businesses under 50 full-time employees aren’t required to offer insurance under the Affordable Care Act (ACA)—but many still want to. The problem is, the math doesn’t work. Traditional insurance doesn’t scale well for small companies.
I talk to founders and operators every month who say some version of this:
“We want to offer healthcare, but not if it’s going to bankrupt us.”
And I don’t blame them. I’ve lived in this world too as my wife and are both small business owners with few affordable options for ourselves and our three kids.
What Concierge Medicine Offers Instead
Concierge medicine flips the traditional model on its head. Instead of paying thousands in premiums to a commercial insurance plan, businesses can partner directly with providers—like us at PracticeRx—to offer real healthcare access for a flat monthly rate.
Here’s what that looks like:
Unlimited urgent care and primary care access
Same-day or next-day appointments
Direct provider communication by phone or text
No surprise bills, deductibles, or paperwork
On-site visits for businesses in the Phoenix area
Available to both W-2 and 1099 employees
Our plans start at $69 per month, with upgraded options that include preventative wellness screenings and ongoing chronic care management.
It’s transparent, flexible, and immediate—which is exactly what most small teams actually need. No carrier networks, no waiting weeks for a visit, no bouncing between urgent cares. Just care, when your team needs it.
Solving the 1099 and Remote Team Problem
If your workforce is mostly 1099 contractors or remote employees, traditional insurance probably doesn’t even cover them. You either end up skipping benefits altogether, or offering a small stipend that barely offsets exchange-based plans.
Concierge medicine sidesteps that entirely.
We’ve built our PracticeRx business membership plans to work perfectly for:
Small businesses under 50 employees
Contractor-heavy companies
Remote-first organizations
Businesses in industries like trades, creative, tech, fitness, or wellness
The healthcare landscape has changed, and the way small businesses operate has too. You shouldn’t need a full-time HR department just to offer your people basic access to a provider.
Real Examples of What That Value Looks Like
One of our business clients has 32 employees—most of them part-time employees and full-time contractors, none eligible for traditional group insurance. Instead of paying thousands in premiums, they enrolled their team in our concierge membership at a fraction of the cost.
Since starting with us in Jan 2025, here’s what they’ve used:
35 urgent care visits (rashes, coughs, UTIs, minor injuries) for them and their dependents
28 annual wellness visits with full preventative wellness labs
8 behavioral health check-ins
2 on-site screening days at their headquarters
Dozens of texts with their provider for questions or med refills
All of this was done without insurance, without co-pays, and without waiting weeks to be seen.
Their employees love it. The business is saving thousands. And it’s created real buy-in and retention, especially in a job market where benefits still matter.
When to Consider Switching to Concierge Health Insurance for your Small Business
You don’t need to wait until your next open enrollment to make a change. Concierge healthcare is flexible, and you can implement it any time of year.
It’s a good fit for your business if:
You have under 100 employees
You’ve been quoted high premiums and don’t love the plan details
Your team includes contractors, part-timers, or remote staff
You want to offer a benefit but can’t afford traditional insurance
You care about giving your people real access to a provider, not just a hotline and a high deductible
This model works best when you want to build loyalty, reduce absenteeism, and help your team actually use their benefits—not just sign up for something they’ll never touch.
And if you’re not sure what your team needs, I’ll walk you through it. No sales pitch, just real options.
Final Thoughts
Health insurance for your small business has likely gotten complicated and expensive when seeking from major insurance providers. But for small businesses, insurance and membership plans doesn’t have to be.
You don’t need to lock into a high-cost, low-value insurance plan to support your team. There are smarter ways—better ways—to offer care. Concierge medicine is one of them.
At PracticeRx, we’ve helped dozens of Arizona businesses create affordable, scalable healthcare plans that actually make sense. If you’re tired of paying too much and getting too little, let’s talk about how this model could work for your team.
We’ll build a plan that fits your team, your budget, and your goals—without the red tape.
-Clay
