Small businesses · 3–49 employees

You know every name on the schedule. Let’s look after them.

With a team of 3 to 49, every benefits decision is personal. Babiya brings the experience to guide you through cost, compliance, and choice, and the attention of someone who knows your business.

Start a conversation with Babiya

Where most owners start

A few good people asked what you offer, and you didn’t have a great answer.
You’re competing for hires against bigger companies.
You have a plan, but nobody understands it, including you.
There’s no HR department. There’s you.

Benefits built for your team

Babiya helps you design and implement voluntary and core benefit plans that meet your team’s needs without blowing your budget:

Voluntary benefits: accident, disability, hospital indemnity, critical illness, cancer plans, and more
Dental and vision plans
Life insurance
Short- and long-term disability
Pre-tax benefits setup through Section 125 cafeteria plans

Zero cost to you, real value to them

These plans can be zero-cost to the employer while still giving employees tangible value, which improves satisfaction and retention.

Tax-saving strategies

Pre-tax deductions reduce your payroll tax burden and increase your employees’ take-home pay.

Savings on FICA and FUTA taxes
Support for WOTC (Work Opportunity Tax Credit) tracking when applicable
Guidance on what can be written off or deducted as a business expense

Compliance without an HR department

Smaller businesses often operate in the gray zone on benefits compliance. Babiya helps you stay on the right side of the law without hiring a full HR team:

ACA thresholds and eligibility tracking
Required notices and documentation
Benefits and leave policies that match your obligations, so you avoid common fines and lawsuits

Enrollment people actually understand

Babiya doesn’t drop off brochures and disappear.

In-person or virtual benefits education sessions
Enrollment support in multiple languages and formats
Ongoing service from a partner, not just a provider

An edge in hiring and keeping people

Good people are hard to find and harder to keep. Meaningful benefits, even optional employee-paid ones, make you more competitive, and become part of an employer brand that attracts people who value care, flexibility, and financial wellness.

Built to grow with you

A foundation of benefits and systems that scales with you
A path from doing it all yourself to delegating with confidence
A plan for future HR technology and a bigger team

What support includes after enrollment

Plan availability, pricing, and terms vary by carrier and state.

Your first conversation

Good questions to bring.

There are no wrong questions. These are a few that tend to open up the right conversation.

Start a conversation with Babiya How working together works

“What could we offer at no cost to the business?”
“How much could pre-tax deductions save us in payroll taxes?”
“How do we explain it so people actually use it?”
“What changes as we get closer to 50 employees?”