Business health insurance

Meet The Future Of Small-Business Health Insurance: Self Funding

Back in October 2013, a few months before most of the Affordable Care Act provisions that restructured health insurance markets took effect, a broker described the great lengths to which he thought many small businesses might go in order to keep their relatively low insurance premiums. He anticipated that these small companies would start to pay employee health care costs out of their own treasuries — what's called, in the industry, self-funded insurance. While self-funding is common among larger companies — those with at least a couple hundred employees — few smaller firms had the wherewithal to self-fund employee health care. Self-funding is extremely risky, and while a bigger company can...

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Understanding Your Small Business Health Insurance Options

Entrepreneurship is highly valued in American culture, but despite the proliferation of startups and small businesses in the last decade, the U.S. has yet to establish a uniform or streamlined process for small companies to follow in securing health insurance coverage for their employees. Finding and getting affordable small business health insurance can often post as one of the biggest challenges for entrepreneurs hoping to find healthcare for their employees. How the ACA Affects Small Businesses Insurance Options Under the Affordable Care Act (Obamacare), companies with 50 or more full-time employees must provide healthcare for their employees, or pay a tax penalty. This is commonly...

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Can Shopping For Small Business Health Insurance Be Easy Fun?

Can Shopping For Small Business Health Insurance Be Easy & Fun? “This post was sponsored by UnitedHealthcare. All thoughts and opinions are my own.” Shopping For Small Business Health Insurance A little over a month ago, we published the first part of this series. It was titled “The Simple UnitedHealthcare Small Business Solution”. It was an overview of the benefits to small businesses of providing a healthcare benefit to their employees. In this follow-up, I will loosely walk through the process to show just how easy it is. The entire 3-part sign-up process can take as little as 20 minutes. So if your company has between 2 and 50 employees (including you), read on…. You will be given...

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