Small Group Health

getting to know

Small Group Health

There are many flexible small group health insurance plans for business. For many companies, finding the right health care plan is integral in attracting and retaining top talent. These plans focus on shared responsibility between employers and employees in accessing quality coverage while controlling costs.

We’ll Help You Understand Options For You And Your Employees

Providing health benefits is a major decision for any business. Let us help you learn about health insurance options for your employees so you can support their health and well-being.

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Purchasing insurance for your small business, or small group coverage, has different guidelines than buying insurance for yourself or your family.

What is small group coverage?

Small group medical coverage refers to a single policy issued to a group that covers eligible employees and often their dependents. With small businesses, the insurer determines a premium price based on risk factors for the entire group, using information on members of the group, including gender or age.

Who is eligible for coverage?

Here’s the general rule: if you offer small group health coverage to any full-time employees, you must also offer it to all full-time employees.

The employer can offer coverage to part-time employees (usually those working less than 30 hours a week) but, like with full-time workers, if you offer coverage to any part-time employees, you must also offer it to other part-time workers.

These rules apply regardless of the medical condition of the employees.

Also, dependents of employees are usually eligible for coverage under a small group plan. Dependents include spouses and children, and can include unmarried domestic partners.

Under the Affordable Care Act, small group insurance plans are required to extend coverage to adult dependents through age 26.

Is insurance required for employees?

There is no law requiring small business owners to provide health insurance for their workers. The Affordable Care Act, though, made substantial changes that small business owners should be aware of when deciding whether to purchase insurance for their employees.

Under the law, small businesses with fewer than 50 full-time-equivalent employees aren’t penalized if they don’t offer coverage. However, large companies may face penalties if they do not offer coverage under the Affordable Care Act.

Keep this in mind: If you have at least 50 full-time-equivalent employees but none of them receive an individual premium tax credit or cost-sharing reductions, there’s no penalty for your company – whether or not you offer health insurance.

What our clients are saying

What an amazing loving and respectful service. Thank Roy so much.

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December 17, 2021

Very shady practices, Giorgio Vuoso call to question my mapd plan. He then said that I was in the wrong plan and should be in Aetna's mapd. He then tells me that I need to hang and call him back in order for him to be able to help me, come to find out, it is against medicare rules for an agent to do what he did. Long story short, he rushed this enrollment (which I never approved) causing me to to file a formal complaint with Medicare. I DO NOT RECOMMEND THIS AGENT OR AGENCY, not if they employ agents such as this. CW 3/25/21

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September 17, 2021

My agent Chrystal is one of the kindest, most knowledgeable and, I dare say, sweetest people I have had the pleasure of doing business with. Very down to earth and extremely personable. I love what y'all are doing and as long as you keep people like her on board I will forever be a customer.

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June 17, 2022
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