getting to know
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.
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.
Purchasing insurance for your small business, or small group coverage, has different guidelines than buying insurance for yourself or your family.
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.
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.
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.
My experience with Natali and Allison @ Kaufman Insurance has more than surpassed my expectations. Incredible customer service! And they care...which is rare these days. Thank you both for always helping me!
Nora LagoVery pleasant and helpful always there to to answer questions and help me to find the best for me and my family, Kauffman insurance staff is the best 👍🏻👍🏻👍🏻👍🏻
Vicky NicholsonI'm truly grateful to Kauffman Insurance group for providing me with prompt, knowledgeable and professional assistance I needed. They are diligently working on making sure you get the benefits that suits your needs and most of all they have your best interest at heart!
Mercy sotoVery nice lady took her time to explain everything in detail and got me the best plan for a great price
Eric JanoffThis company helped me find my health insurance a few years ago and I been renewing my health insurance with them annually. Customer service is always great and helpful. I recommend this company to all my family and friends.
Ella GutThis is hands down the best insurance company I have EVER dealt with. They call and remind you when a payment is due. I got a great plan for little money!! Allison is the best ask for her!!
Corey WeinsteinAbout 3 years ago I was left with no insurance after leaving my job due to a family emergency. I received a call from Shirley. After she gave me some information I was still on the fence about it. I decided to call back and could not reach her. Right away I begin to think it was a scam and replied that I was not going to get scammed by a fake insurance company. 3 years later Shirley calls me every year and she's the best person to work with. She is empathetic, reliable, hardworking and easy to talk to. Thanks Shirley. Your my favorite person now. 😂
DinaocityMy 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.
Riley MahaganKristal Provide me a really really good service and health insurance I’m happy
Eliran Ben shabatNeed advice? Call (800) 881-2790 to speak to a Licensed Agent
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
