If you run payroll on Gusto, its health-insurance tab is Gusto's own in-house brokerage showing a limited menu of carriers — and it won't surface options outside that menu. This guide covers the one that often saves a healthy small team the most (an individually medically underwritten nationwide PPO, where each employee is underwritten into a broader, healthier pool), why standard small-group overprices a healthy team, how to keep Gusto for payroll while bringing your own broker, and when Gusto's built-in options still make sense.