Providing small business health insurance as a small business is a great way to hire and retain excellent employees. The Affordable Care Act currently requires small businesses to offer health insurance, if they have 50 or more full-time workers. If certain small businesses fail to provide health insurance to employees, they may be subject to fines.

With group health insurance plans, premium costs are typically shared between employer and employees who chose to be covered under the health insurance plan. Tax incentives meant for small businesses may be available to you if you offer group health insurance to your employees.

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Pricing varies based on specific circumstances. Prices shown are estimated minimum rates for two 30-year-old employees with an employer contribution rate of 50% (the minimum in most states).

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Small business health insurance

How does small business health insurance work?

Getting coverage through a small business health insurance plan can be more affordable than buying coverage by yourself. Here’s what you need to know:

  • Coverage is generally guaranteed issue
  • You need at least one employee to qualify
  • You must contribute toward employee premiums
  • And you can shop for coverage at any time of the year

How much does small business health insurance cost?

An average eHealth small business plan covers 5 people and costs $1432 per month in premiums – or $286 per person.

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Small business health insurance is complicated, we can help

Browse group plans online or call a small business health insurance agent for personalized recommendations. No charge, no expectations to enroll.

We’re your advocate

If you ever need help dealing with the health insurance company regarding claims, billing or need any assistance, we’ll be there for you.

We have the best prices

Prices are fixed by law. We will have the best prices on any health plan we sell.

We’re unbiased

We will empower you with decision making tools so that you decide what health plan is best for you.

Compare Types of Small Business Health Insurance Plans

Learn about different types of health insurance coverage options to find the plan that’s best for you and your employees. Common types of health insurance plans include:

Health Maintenance Organization (HMO): HMO plans offer affordable, comprehensive health coverage with relatively low out-of-pocket costs, but most care must be done in-network to avoid additional costs.

Preferred Provider Organization (PPO): While premiums are often higher for a PPO than for an HMO plan, a PPOs typically offer larger networks and will give you more flexibility.

Point of Service Plan (POS): A POS health plan is a hybrid, containing features of PPOs and HMOs. POS plan premiums are often mid-range between HMO and PPO plans. However, POS network size varies by location.

How to choose the right small business health insurance plan

Assess your needs

First, determine what your small business needs in a health insurance plan. Consider the following:

  • Who will be covered? Consider the needs of your employees and their dependents to find a plan that will suit the diverse medical and financial needs of the group.
  • How much cost sharing can you afford? Premiums for small business health insurance are paid by the employees and the employer. Make sure consider how much cost sharing makes sense for your business.
  • What kinds of benefits are important for you and your employees? While federal privacy laws prohibit employers from inquiring about employees medical history, it’s important to ask your employees which types of benefits are important to them.

Compare small business health insurance options

There are a lot of factors to consider when weighing your small business health insurance options. At eHealth, we recommend using the following 5 criteria to find plans that best match your needs:

  • Monthly premiums: Know what you and your employees will be able to pay on a monthly basis.
  • Deductibles, copayments and coinsurance: Ensure these types of payments will be manageable for you and your employees when you receive medical care.
  • Medical provider networks: If you already have a preferred doctor or facility, make sure they’ll be included in your new coverage.
  • Prescription drug coverage: Use eHealth prescription drug comparison tool to see which plans cover costs of certain prescriptions.
  • Coverage add-ons: With eHealth, you can add things like vision and dental care to ensure your employees are fully covered.

Small business health insurance enrollment process

  • Enrollment is the process of getting your employees and their dependents signed up for your new health plan. Once you’ve selected a plan, an eHealth agent can walk you through the enrollment process.
  • During enrollment, be sure to answer all questions honestly and to the best of your knowledge. Though premiums may differ based on medical history of certain individuals, no employee will be declined coverage.

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