Small Business Health Insurance

Small Business Health Insurance is designed for employers with at least 2 but not more than 50 total employees.  The benefits of a group health plan include

1) Savings on personal health care costs
2) Tax savings advantages and,
3) Increased job satisfaction within your company.

How does small business health insurance work?

A small business health insurance plan provides its members with a set of health benefits with rates calculated using the data about the organization  and individuals themselves. Employees typically can add riders and additional coverage to fit their specific needs, but the basic policy format remains intact.

Although small business health insurance comes in a variety of shapes and sizes (fee-for-service, HMO, PPO, POS), the format that's chosen will apply to all members.

Rate calculations vary both from state to state and from company to company, the cost of a group health insurance plan is based on the characteristics of each member, including:  Age, health status, occupational hazard, and business location

Employees of a business that offers small business health insurance are not required to join the health plan, however the group must maintain a minimum number of insured to guarantee coverage.