Employee benefits for chiropractic offices,made easy.
99% of U.S. chiropractic offices have fewer than 20 employees.
You want great benefits for your team. You don’t have the time or the resources to get them.
That isn’t on you. For decades, the benefits industry has been built for big companies, and small businesses have been left to figure it out alone. Cakewalk was built for you.
How it works
You run your business. We handle the benefits.
Tell us about your business.
Start with your business name. We fill in what we can find. Connect payroll and your team comes with it.
Hundreds of options. One tailored package.
We compare hundreds of plans for your team. You get one package, priced and ready to adjust.
We get your team covered.
We invite your team. You see who has started. Each person gets help choosing. Everyone is covered.
Benefits admin. Off your plate.
New hires and departures sync from payroll. Each employee gets a benefits wallet. Their questions come to us, not you.
Your benefits team. On the house.
You pay for coverage. Insurance carriers pay us a commission, so we can handle everything from building your package to supporting your team year round, at no cost to you.
Chiropractic offices at a glance
Offering benefits at a chiropractic office
Many chiropractors start solo and add a small team. Here’s what shapes a benefits plan for a chiropractic office.
- of U.S. chiropractic offices have fewer than 20 employees
- 99%
- average weekly hours at chiropractic offices in 2025, under the 30-hour full-time line
- 26.9
Source: BLS Current Employment Statistics: offices of chiropractors, 2025
From solo to a team
A SHOP marketplace plan needs at least one employee who isn’t an owner, spouse, family member, or partner. Until then, a self-employed chiropractor figures the self-employed health insurance deduction on Form 7206.
Sources: HealthCare.gov: who qualifies for SHOP; IRS Form 7206 instructions
The 30-hour line
Part-time work is common. Federal rules treat 30 or more hours a week as full time, and a SHOP marketplace plan has to be offered to full-time employees, not part-time staff.
Sources: BLS Occupational Outlook Handbook: chiropractors; IRS: identifying full-time employees; HealthCare.gov: who qualifies for SHOP
How part-timers count toward 50
To see whether you’re near 50, add part-timers’ monthly hours (up to 120 per person) and divide by 120. Forty full-time employees plus 20 people working 60 hours a month comes to 50.
Source: IRS: employer shared responsibility questions and answers
If you own the business through an S corporation
Premiums for an owner with more than 2% of an S corporation are deductible by the company and reported as wages on the owner’s W-2, but they aren’t subject to Social Security or Medicare tax. The owner may then be able to deduct them personally.
Source: IRS: S corporation compensation and medical insurance
Benefits are your choice under 50
Employers with fewer than 50 full-time employees, counting full-time equivalents, aren’t subject to the federal requirement to offer coverage. Offering benefits is a decision you make for your team, not a mandate.
Source: IRS: applicable large employers
The small business tax credit
The federal credit can cover up to 50% of premiums for employers with fewer than 25 full-time equivalent employees and average wages under $68,200 in 2026, if you pay at least half of employee-only premiums and buy through the SHOP marketplace. Owners and their families don’t count toward the totals. SHOP plans aren’t offered everywhere, so check your state’s guide.
The whole benefits package.
Medical, dental, vision, life insurance, and income protection. Built around your business and the people who power it.
Start with your team’s needs and your business’s budget. Explore medical coverage online, or work with a benefits advisor to understand your options and choose your next step.
Questions office owners ask.
Not through SHOP, which needs at least one employee who isn’t an owner, spouse, family member, or partner. Self-employed people can take the self-employed health insurance deduction, figured on Form 7206.
Tell us about your office.
We’ll follow up to learn about your business and walk you through your options. There’s no cost to work with us.
Prefer to start on your own?