Small Business Employee Health Coverage

Group Health Coverage

Health insurance provided to employees by an employer or by an association to its members is  group health coverage. Health insurance you buy on your own—not through an employer or association—is called individual coverage.

Buying insurance for your small business (group coverage) has different rules than buying just for yourself or your family (individual coverage). The good news is that coverage for small businesses provides advantages that may not be offered to individuals until 2014, when the Patient Protection and Affordable Care Act (federal healthcare reform) is fully implemented. Below, we outline the basics behind group coverage.

Have you thought about helping cover your employees by offering them great healthcare plans?

Our office can enroll groups as low as two separate employees to 99 employees.  We specialize in 1099 agents or w2 employees.  We can assist you with the enrollments as well as helping you figure out costs for your business and your employees.  Costs like how much the employee will pay for their coverage or additional coverage options.

We specialize in quoting most Group Carriers like Humana, Aetna, Cigna, Blue Cross Blue Shield, etc.  We have other more affordable options too, if these plans prices are too much for your business.  Let us give you a quote and see how we can help you get your employees covered at a price that everyone can all agree on.

source: healthcoverageguide.org

 

 

To learn more about what the Affordable Care Act requires of small business and to find out how penalties are calculated see “Shared Responsibility Requirement.”