Small Business Health Insurance

Your company qualifies for small business health insurance if your firm employs at least two, but no more than fifty people.   Group plans can help you save on personal health care costs, increase tax deductions, and boost job satisfaction among your employees.

The following topics will be covered:

Get a free quote for your small business

Research quotes, and apply for coverage at eHealthInsurance . You can pick what coverage you want and set your limits and deductibles, before applying for more personalized rate info. This company is unique in that they offer carrier direct rates with no added fees! They have licensed professionals and online tools to help you compare, choose a health plan and simplify your enrollment needs.


Click here for your free quote



ATTENTION: Only businesses with 2-50 employees qualify for small business health insurance. 

Small Business Health Insurance Specifics

Small business health insurance provides medical care for yourself and your employees. Small business health insurance plans also spreads risk between all of it's members. This results is reduced premiums and better coverage for all of your employees.

There are major tax advantages for the employer as well since all employer contributions to a small business health insurance plans are usually fully tax deductible . Employee save on taxes as well since their contributions are also deductible or made with pre-tax dollars.

Business Health Insurance Plan Basics

A small business health insurance plan provides its members with a set coverage with rates calculated using the group and individuals. Employees may be able to add policy riders and additional coverage to fit their specific needs, but the basic policy format will remain the same.

Likewise, 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. (And although it is technically possible to purchase a group indemnity policy, the managed care plans are much more common.)

Although 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:

Employees of a business that offers group health insurance are not compelled to join the plan, but the group must maintain a minimum number of insured (as few as 2 people, depending on the policy) to guarantee coverage.


Important Note:
Insurance companies can not refuse to sell you small group health insurance if they offer coverage to other small groups!

How Much Does It Cost?

Depending on the state and the insurer, you, as the employer, will be required to pay some percentage of an employee's individual premium (often 25% or 50%). If the employee wants to extend coverage to a spouse or dependant, you may choose to pay a percentage of that cost, but that's not required. You'll probably have a lot of policy and payment options to choose from. Getting right to that . . .

To get an accurate quote on a small business health insurance policy, you'll need some reliable information about both the type of coverage you seek and about the vital statistics of the group members who want to be insured (including the number of dependant they'd like to include).

If you don't have all the right info on hand, don't worry. You can use estimates to shop quotes, and fill in the gaps as you continue the process. Just keep in mind that the more accurate the info, the more accurate the quote.

If you'd like to start shopping, try eHealthInsurance , the web's largest health insurance marketplace. Their application process is fairly simple, and they offer lots of help should you run into problems. And, you can save your application and return to it later (and later and later.) Get group quotes or Individual Quotes .


Unsecured Business Loan from $15,000 to $150,000

Home/ Contact Us / Links/ Site Map/ Privacy/