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Are You Covered? Health Insurance For Small Businesses

If you are a sole proprietor or smallquite different coverage. But certain
business owner and require health insurancebenefits for health insurance must be
for you or your employees, there are manyprovided in the coverage, including
options available that will provide coveragemammograms  and  diabetes  care.
for a reasonable premium. You will, however,
be required to carry out a good amount ofGroup  Health  Insurance
research before finding an insurance company
that will suit your needs, as there are a lotFor small employers (2-50 employees) group
of choices out there. In addition, you havehealth insurance plans are a good idea if you
to ensure that the company you choose forwant to provide adequate coverage for
your health insurance coverage provides theyourself and your small group of employees.
kind of plan that will be most beneficial inAccording to guaranteed issue, insurance
times  of  greatest  need.companies must sell small employers small
group insurance under most circumstances. If
Individual  Health  Insuranceyou and your group fall within the
participation requirements you cannot be
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Usually a group health insurance plan
Individual health insurance is coveragerequires that a certain percentage of your
intended for one person. If you areemployees participate in the plan and you
self-employed or run your own business, youmight have to contribute a minimum percentage
don??t have access to a group healthof their premiums. Luckily, guaranteed
insurance plan through an employer, and mustrenewability makes it so that you cannot have
purchase your own coverage from one of theyour coverage cancelled if one of your
many health insurance providers located inworkers becomes ill. This is definitely a
your  state.plus so you always have access to continuous
group coverage and are never left by the
There are some pitfalls to obtaining yourwayside  without  the  proper  insurance.
health insurance from the private sector. For
instance, limitations exist that might makeHMOs and Blue Cross Blue Shield, again, are
it difficult to derive guaranteed benefitsprohibited by law from charging more due to
from a private insurance policy as anthe health status of one or more employees.
individual. Private companies have a right toAt the same time, private companies are
ask you for information regarding yourallowed to charge higher rates if they deem
current and past health, and are also allowedit  necessary.
to reject you for insurance purposes based on
your health status, or impose limitations onIn addition, someone who is self-employed
your  coverage.with no other workers may be able to purchase
small group health plan coverage from Blue
Blue Cross Blue Shield, on the other hand, isCross Blue Shield. Specifically, sole
required by law to sell individual healthproprietors are given the option of buying
insurance to any resident regardless of??group-of-one?? policies from this
health status. This is referred to asorganization. Other insurers also offer this
guaranteed issue. They must also refrain fromtype of coverage but are not required to
charging you more due to any current oroffer it. You are a sole proprietor if you:
preexisting conditions ?C this is calledare a resident of your state, work at least
community rating. HMOs are also required to30 hours a week and gain at least 50% of your
sell health insurance to any individualtaxable  income  from  your  business.
during the 30-day open enrolment period that
occurs  each  year.In addition, self-employed individuals can
have 100% of their health insurance premiums
Individual health insurance policies can varydeducted from their federal income tax. If
depending on the company. There are no lawsyou are a member of a professional or trade
that force private companies to offer theassociation you might be able to receive
same health insurance products so coveragegroup coverage under the organization??s
plans from different providers can offerinsurance umbrella.



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