Group health insurance plans may also come in tiers, meaning that some may choose a basic option of coverage or a more comprehensive choice. Businesses can choose to offer ancillary products such as Dental, Vision, Life, Short term and Long term Disability.
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Because the plan is spread across multiple individuals, this helps keep premium payments low and gives insurers better risk management. But the most significant benefit of group health insurance is that it ensures members and employees are happy and have the coverage they deserve.
Group health insurance can also benefit employers. When businesses offer to pay part of their employees’ premiums, this can qualify the business to receive a credit back on their taxes, which serves as compensation for the money paid out towards the premiums.
While this can vary by carrier, the rule of thumb is a group is considered 2 or more. This is defined by eligible employee's. What is an eligible employee, a w2 or 1099 employees that works 30 or more hours per week for the business.
At The Health Agents, we offer 50+ carrier options as a broker. This enables us to find a solution that fits any business. These options include the traditional BCBS, United Health Care, Cigna, Aetna know as the BUCA carrier's. As well as non traditional options like Medi-share, marketplace, ICHRA, MEC and many more. Through our unique quoting process we eliminate options that don't fit well to make sure you are getting the best plan for your business.
This is the best part!!! We make this process extremely easy with a combination of in person, virtual meetings and our technology. We are able to quote most companies with-in 1 week. The first step of this process is completing the form on the right side of this page.
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