Group Health Insurance
We work with all major carriers that offer employer health plans. You can offer your employees a diverse portfolio of benefits, including Health, Dental, Vision, Life, AD&D, and Supplemental Insurance. Don’t wait, work with us to uncover your employees benefits.
Who is this for?
Employers with all sizes can offer benefits to their full time or part time employees. Contact us to learn more about the options available to you and your employees.
Groups with 1-50 employees are eligible for Small Business group plans. These plans follow the Affordable Care Act rules.
There are multiple options available for independent contractors including Health Reimbursement Arrangement, and QESHRA.
If you own a family business and you have another full time employee (non – family member and non spouse) you are eligible to get a group health policy. Contact us to learn more.
Small Business Savings
Why Should You Offer Health Insurance?
How it Works?
Our Smart Insurance Agents have made the process of offering employer coverage a breeze. Tell us about your business and your employees, will take care of the rest.
Request a Quote
Start by filling in some information about your business and employees.
Get a Smart Proposal
Review all the available plans among different carriers. Offer up to 6 plans for your employees to choose from.
Fill the paperwork digitally. Your group policy will be issued before you know it.
Frequently asked questions
What is the eligibility to sign up for a small group plan?
Small group plans need at least two full time employees to get coverage. At least one employee should enroll other than the owner, owner’s spouse, or family member. The business should be registered in the state operating and in good standing.
What are the benefits of offering group health coverage to my employees?
Countless. Offering employee benefits makes your business more competitive. Your business will be differentiated than your rivals. According to a survey we conducted in Q3 2021, business owner who offered health insurance to their employees received a higher job satisfaction.
Are the premiums paid by the employer tax deductible for the business?
How many full time employees do I need to start a small group plan?
A small business needs at least 2 full time employees to start a group policy.
Is there an enrollment period to start group coverage for my small business?
No. You can start a group policy at any time of the year. The plan coverage will start the first day of the following month.
Do small group plans ask for medical questions in underwriting?
Small group plans follow the ACA rules. There are no medical questions for the enrollees and no underwriting based on pre-existing conditions.
Can I decline my employer’s health coverage?
Yes. But always weigh all your options before declining Employer’s coverage.
Can i schedule a phone call to review current group policy?
Yes, we encourage you to chat with us about your different options. You may be eligible for additional savings. We can also suggest other plans that are more feasible for your group.
Group Health Insurance Quote
Q1: What is COBRA continuation health coverage? The Consolidated Omnibus Budget Reconciliation Act (COBRA) health benefit provisions amend the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Service Act to require group health...