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
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I recently moved to FL from CA and Kaufman insurance group adjusted my insurance policy to FL, my new policy is way better and cheaper by more the 60% from the one I had in CA !!! Thank you !!
Sasha Hakiev
November 12, 2024I’ve been with Kauffman insurance for years! From a plan with my family to my own plan with my family and kids. Ms Shirley and Ms Natalie are absolutely fantastic! Allison and Eryca have always been able to assist with any questions or concerns, with so much kindness no matter how many times I’d call. Eryca has been able to solve any issue I’ve ever had with marketplace as well! Such an amazing insurance agency and would absolutely recommend!!!!
Talya Levi
October 17, 2024Allison is the best! She is super helpful and efficiently assists with anything needed!
Sarah Simon
September 14, 2024 -
I am so happy with Shirley and her wonderful team of Agents. They are always so polite and happy to help no matter the problem. I have been with them almost 2 years and never had anything negative to say...Grateful to have met them even if only over the phone. Thank you so much Shirley and All the staff past & present♡God Bless You All! ☆☆☆☆☆☆☆☆☆☆.....💯👍🙏
Teresa Canales
August 14, 2024If I could give them 10 Stars I would unbelievable professionals working here they got us the best insurance in the best price and also care throughout any question or concern or authorization from the insurance to approve things that usually you can't do by your own I want to specially thank Allison that works with them she's been helping our family through all the hard times and insurance problem we ever had with hours on the lines with us and the insurance solving our problems thank you very much there is not enough words that can fit here for the appreciation we have for you and your company! Thank you! 🙏
Menny Bensusan
July 14, 2024Very grateful for the services done by this company. Couldn't be happier with their professionalism and fast responses. I highly recommend Allison and shirly!!
shiri levi
May 14, 2024 -
I can’t thank Shirley and Anthony enough for all the help finding good health insurance! My husband and I are saving money and have great coverage. Anthony was so happy to answer all my questions! What a great team!! Thank you so much!
Debra U
May 14, 2024Working with Allison is always a pleasure! She deserves all the praise in the world! Anytime I need help she is the problem solver. I’ve worked with her for a few years now and couldn’t be more satisfied! Thanks!!
Tim Hinson
May 14, 2024Thank you Allison for being so helpful, fast and professional! Health insurance has always been an overwhelming subject for me, and Allison made it a breeze! She personally helped me choose the absolute best fit plan for my needs, was quick to process everything, and mostly importantly always responds promptly to any questions after I have already signed up, unlike other agents who just send you to speak to directly to the insurer’s call center in India if you have any questions. I 100% recommend this agent for health insurance in Miami and south Florida!
amit erez
April 14, 2024
