Group Health Insurance 2018-09-21T01:15:32+00:00

A simple, new way to shop for small business health insurance.

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Navigating your way to a policy that fits your business’s budget doesn’t have to be overwhelming.

Your employees are your greatest investment. Providing health insurance as a small business is a great way to hire and keep talent within your company.

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Our Agency provides a variety of group coverage options that work for small businesses Finding a plan that will fit your business needs and budget has never been easier.

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A “small employer” is defined as a business with 2 to 50 full-time employees. The Affordable Care Act currently requires small businesses to offer health insurance, if they have 50 or more full-time workers. 

Our agency works with 50+ brand name carriers on the market, finding a plan that will fit your business needs and budget has never been easier.

Group medical coverage refers to a single policy issued to a group that covers all eligible employees and sometimes their dependents.

Insurance companies calculate premiums for group coverage is based on risk factors balanced over the entire group, using general information on members of the group, such as age or gender. By law the insurance company has to provide coverage for every employee regardless of their medical history.

When considering what portion of the premium to pay, employers should be aware that the Affordable Care Act offers small businesses tax credits to help offset the cost of insurance.

To qualify for a tax credit of up to 50% of premium expenses for any two years, small business owners must pay at least half of employees’ healthcare premiums and have fewer than 25 full-time-equivalent employees who earn an average of $50,000 or less per year.

Some employers choose to pay the full premium, while others require employees to pay a portion

Talk with one of our agents to find out about all your options on premium costs!   Family Icon

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