Small Business Group Health
Most Americans get their health coverage through group health insurance plans. Small business group health insurance plans generally work like the group health insurance plans offered by larger companies.
Monthly premiums are typically shared between the employer and employees, and dependents can usually be added to the policy as well.
eHealth works with a large variety of small business health insurance companies and has many plans to choose from in many states. eHealth can help you compare different plans from different insurers in your area to find the one for your needs and budget. The plans and insurers in each area vary, so come see what is available.
Benefits of group plan vs individual/family plan
Small business health insurance plans generally provide robust health insurance coverage than what's available in the individually purchased health insurance market under Obamacare. However, when considered on a per-person basis, small business health insurance coverage is often less costly.
By sponsoring a group health insurance plan, you're not only providing coverage to your employees, but you may be finding a more affordable coverage option for yourself**.
Self-Employed
Even if you're self-employed, or if you're paying contractors on a 1099 basis (in some states), you may qualify for group health insurance coverage. Various factors affect eligibility in each state.
Self-employed people without employees may not be eligible for small group health insurance coverage, and self-employed people typically buy individual or family health insurance coverage on their own.
eHealth can help you apply for individual or family coverage, or group health coverage. In most states, it can help whether or not you qualify for income-based government subsidies under the Affordable Care Act.
When you're required to offer health insurance to employees
Under the Affordable Care Act (Obamacare), small businesses with fewer than 50 full-time workers are generally not required to provide group health insurance coverage, though tax incentives may be available if you do. Additionally, your employees may be subject to a tax penalty if they don’t get insurance.
Employees of small businesses who do not get employer-based group health insurance coverage may be subject to a tax penalty if they remain uninsured.
Insurance for your employees' pets too
In addition to health insurance, you can also offer your employees the option to protect their pets with Progressive Pet Insurance by Pets Best. It’s a voluntary benefit that protects their dogs and cats with customizable coverage at a great rate.
Employees can choose basic coverages to cover things like accidents and emergencies involving their pets, or additional coverages to cover routine care and checkups.
