Small Business Group Health Plans

Get ready to uncover 1000’s of dollars in savings by enrolling your employees in a small business group health plan. We work with more than 20 health insurance carriers that offer group health plans.

Group Health Plans for Small business

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.

group

Small Business

Groups with 1-50 employees are eligible for Small Business group plans. These plans follow the Affordable Care Act rules.

contractor

Independent Contractors

There are multiple options available for independent contractors including Health Reimbursement Arrangement, and QESHRA.

family

Family Business

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.

Is My Small Business Eligible for Group Health Coverage?

Two Full Time Employees

If you are the business owner then you just need another full time employee who is non spouse and non family member to join the plan. That is it! Group Health Plans are different than marketplace plans and have additional/ elite hospitals and providers in network.

When Can I Enroll in a Group Health Insurance?

Anytime You want

We mean it, you can enroll in a group health plan anytime during the year. The coverage can start the 1st day of the following month or the 15th of the same month. If you have questions about enrollment and eligibility, DO NOT keep it to yourself, share your questions with us so we can address them.

Why Should You Offer Health Insurance?

%

Employee Retention

%

Talent Attraction

%

Increased Productivity

Group Health Insurance Carriers

These are the most popular carriers that our small business clients enrolled with through the years. We are independent agents so we can work with any carrier YOU want.

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?

Yes. 100% 

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

Fill the form below to receive competitive quotes from different carriers. We will work with you to offer the best plans for your small business. 

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Download Group Health Info Template
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