Group Health Insurance

Group Health Insurance for Small Business & Associations

Group health insurance is employer-sponsored health coverage for business owners, employees and associations. Many employers make health insurance available to their employees – either by paying the premiums for the employees, sharing in premium payments, or deducting the premiums from employees’ paychecks.

A majority of Americans have group health coverage through their own or a family member’s employer-sponsored group plan. Employers and employees can share costs and there are special tax incentives available to businesses and associations that provide group health insurance.

Group health insurance plans we offer:

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  • Individual/family health insurance
  • Disability income insurance (short term & long term)
  • Accidental death and dismemberment
  • Hospital expense
  • Surgical expense
  • Medical expense

Benefits of group health insurance:

  • Attract, hire and retain the best workers
  • Protect workers and family members who might otherwise go uninsured – no one can be turned down based on medical history
  • The amount you pay toward employee premiums may be tax-deductible

Types of group plans:

Contributory

  • Employees are responsible for paying part of the premium
  • Participation must include 75% of eligible employees

          Non-Contributory

  • Employer pays the entire premium
  • Participation must include 100% of eligible employees