Small Group Health Insurance Plan

Group health insurance plans, even small ones, can be very affordable for employees to pay into. Costs for employees can start around $270 per month, or $3240 per year, which is more than three times less than the cost the average American pays into their healthcare annually.

Small Plans vs. Large Plans

The plan you choose will dictate your rates, premiums, and health care coverage. Sometimes, people assume that their healthcare coverage will diminish by choosing a small group health insurance plan.

However, this is not automatically the case. While healthcare insurance plans offered by private insurance providers, or on the state and federal exchanges, are not very customizable, plans from independent insurance agencies like Taylor Benefits Insurance are.

With an independent agency, you can receive the health care coverage you need at an attractive price. Health insurance companies need to offer attractive and affordable health care plans in order to remain in business. These providers are in competition with each other, while independent agencies are not.

With an independent agency, you can buy health insurance that covers existing conditions, avoids insurance premiums as much as possible, and provides essential health benefits like dental coverage.

The size of the plan does not matter as much as the agency offering the plan.



Types of Group Health Insurance

The following are popular forms of health insurance coverage that you may decide you want included in your plan. The specifics of your plan and coverage, however, will depend on your health care needs and goals.

  • Dental insurance
  • Health insurance
  • Prescription drug coverage
  • Subsidies
  • Eligibility for tax credits
  • Non-prescription drug coverage (like Tylenol or Aspirin)
  • Copayment
  • Family health plans and coverage for employees’ families
  • Reimbursement of out of pocket expenses
  • Long term care

The benefits you can include in your group health insurance plan are endless.


Your Rights and Protections Under Health Care Law

The rights and protections you will receive are determined by both the federal and state government you reside under. For federal rights and protections, you can go here for more information. For your rights and protections under state law, you should go websites specific to your state. The state website to go to if you live in New York, for example, is the Department of Health’s website. There, you will find the rights and protections that apply to you.

A great many things are determined under the state law, which determine policies that pertain to your health care, like:

  • Health coverage
  • Health insurance options
  • Insurance policies
  • Tax penalties
  • Tax benefits
  • Tax savings
  • Tax credits
  • Obamacare/ACA
  • Health care reform
  • Small business health options programs
  • Small business taxes
  • Employer mandates


Where Should I Look for a Small Group Health Insurance Plan?

Look to independent insurance agencies like Taylor Benefits Insurance first. Independent agencies can help you get affordable health insurance that covers preexisting conditions, lowers your health care costs, covers catastrophic care, and more. A plan from an independent agency will be better than a plan provided by the federal government or an established health care provider.

Small Group Healthcare Information

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