Washington, D.C. Group Health Insurance & Employee Benefits Plans

Washington D.C. Group Health Insurance & Employee Benefits Plans

Washington D.C. Group Health Insurance & Employee Benefit Plans

Healthcare plans offered by Insurance providers and plans offered through the federal or state exchanges may not include ideal coverage. In addition, these plans usually follow a blueprint, so they are often similar.

All companies in the Washington District of Columbia have been required to use the DC Health Link system to purchase health coverage for their employees. However, people have different needs, and your employees may not be best served by a cookie-cutter policy.

Americans need healthcare that is individually created to meet their needs. Nowhere is this more apparent than with group healthcare insurance plans provided by independent agencies.

Independent agencies like Taylor Benefits Insurance offer custom group healthcare insurance plans that you can’t get from an insurance provider in your area. Each plan is unique to reflect the particular needs of the groups seeking coverage. At Taylor Benefits Insurance, we have more than 25 years of experience writing custom plans, and we can write a high-quality custom plan for your group.

Washington, DC Large Group Health Insurance Plans

For large companies, providing group health insurance plans for employees is a terrific competitive tool and a great way to help workers stay healthy and productive. That’s one reason why so many businesses include EAPs (Employee Assistance Programs) and wellness offerings in their healthcare coverage.

Wellness programs often include education and support for employees to improve their overall health or address specific concerns. For example, employers may include smoking cessation, fitness, weight management, stress reduction, onsite immunizations, biometric screenings, disease prevention, and nutrition improvement.

Some companies often offer discounts on health insurance premiums for workers who complete screenings or attest to their status as a non-tobacco user, for example.

EAPs are typically offered in conjunction with health insurance. In most cases, the services are available to the employee without regard for their plan participation or selection. For example, suppose an employee is enrolled in employer-sponsored health coverage and uses the EAP to obtain mental health services in a crisis. They would not pay any deductible or copayment or file any claims.

Typically if the issue isn’t resolved within the small number of visits provided by an EAP, the subscriber’s plan would then be used to pick up the need for ongoing help.

Washington, D.C Small Business Health Insurance Plans

One obstacle small businesses in Washington, D.C., may face when looking to provide health insurance coverage to their employees is the high cost. Since the company has fewer workers, the per-employee cost can be higher. One good option to consider is a Small Business Health Insurance option.

SHOP is the Small Business Health Options marketplace that the ACA created to assist companies with less than 25 workers. A small business owner may also qualify for tax credits if they provide health care insurance that meets certain specifications.

To qualify for the tax credit, small companies need to pay at least half the premium expense. However, most small companies that offer insurance pay more than half. According to the Kaiser Family Foundation 2021 survey, thirty percent of small businesses pay the entire premium for individual coverage for their workers (if they offer short-term health insurance), and only three percent pay less than half the cost. health plan

Washington DC Employee Benefits Plans and Employee Benefits Packages

Employee benefits packages are a crucial part of overall compensation and average about thirty percent of the cost of an employee. In many cases, the most significant benefit expense component is health insurance. Still, a great benefits package includes more and can be customized to reflect the employer’s culture and budget.

Employees generally prioritize paid time off, which makes sense from their perspective and makes sense for an employer that wants productive, happy workers. Everyone needs a break, and paid time is vital to encourage employees to rest and recharge.

Some progressive companies have moved away from accrual systems to provide their workers with “unlimited” leave. The term is a bit misleading since excessive use would likely be considered a performance issue. However, such policies generally don’t issue specific hours or days that an employee can take off for vacation, illness, or personal matters. Instead, the worker can schedule time away from work as needed, with their manager’s agreement and subject to the firm’s needs.

More traditional firms often provide a bucket of time for a vacation that is based on the employee’s tenure with the firm, some paid holidays (the number varies mainly by industry), and sick leave based on local regulations. In D.C., the paid sick time requirements vary according to the company’s size. For small business owners with fewer than 25 workers, the federal minimum of 24 hours is required. If the firm has 25 to 99 workers, the minimum is five days, and for companies with 100 or more workers, each must have access to seven paid sick days.

Call 800-903-6066 for a free consultation on Washington, D.C. Group Health Insurance & Employee Benefits Plans

Relevant Statistics

  • Over 90% of employers in Washington offer group health insurance to their employees.
  • The average deductible for group health insurance plans in Washington is $1,800.
  • More than 80% of Washington residents who have employer-sponsored group health insurance are satisfied with their coverage.
  • Approximately 70% of small businesses in Washington provide group health insurance options to their employees.
  • Group health insurance premiums in Washington have increased by an average of 5% annually over the past five years.

General Facts

  • Washington Group Health Insurance refers to health insurance plans offered to groups of people in the state of Washington.
  • These group health insurance plans typically provide coverage for a wide range of medical services, including doctor visits, hospital stays, and prescription medications.
  • Employers often offer group health insurance as part of their employee benefits package in Washington.
  • Group health insurance plans in Washington may have different coverage options, such as HMOs (Health Maintenance Organizations) or PPOs (Preferred Provider Organizations).
  • Group health insurance premiums are usually shared between the employer and employees, with each party contributing a portion towards the cost of the insurance.

How Taylor Benefits Can Help You

The following benefits are provided in our custom group healthcare insurance plans. More health benefits can be added, depending on the needs of the groups seeking a custom plan. 


Everyone Should Be Able to Afford Healthcare

Contact us today for a free estimate. There is no special enrollment period in the plan. If you are uninsured due to financial reasons, consider making the switch to group health insurance today. Your premiums will be lower, your plan will be more affordable, and you will receive more healthcare coverage options for your money than any individual plan or short-term health insurance could provide.

In short, health insurance in DC comes with significant financial assistance for companies, employees and employees’ dependents.

Frequently Asked Questions About Health Insurance And Employee Benefit Plans in Washington, DC

Washington, DC, supports the Affordable Care Act and has implemented a number of consumer-protection policies designed to make it easier for residents to get health insurance, including expanding Medicaid. Frequently asked questions about health insurance include:

What Are the Benefits of Large Group Health Insurance plans in Washington, DC?

With a large group health insurance plan, the main benefit is that the subscribers typically enjoy lower premiums than they would have access to individually. Companies can administer group health insurance coverage policies to cover all their eligible employees.

In Washington, DC, How Much Do Small Business Groups Insurance Plans Cost on Average?

Group medical insurance options are available to organizations of any size, but small businesses often pay a higher per-person cost since the health insurance company can’t spread the risk across as many participants.

What Benefits do Employers Offer in Washington, DC?

Washington, DC, employers offer a variety of benefits to workers. These are some of the common inclusions:

  • Section 125 Cafeteria
  • HSA
  • Short and Long-Term Disability Insurance
  • Life Insurance
  • Vision Insurance
  • 401k
  • Retirement & Pension
  • Health Insurance
  • Dental Insurance
  • Long-Term Care
  • Affordable Care Act (ACA) compliance

Include these perks in your employee benefits package to ensure that your employees are adequately protected and able to thrive.

How Much Does It Cost to Offer Employees Health Insurance?

95 percent of DC workers have insurance available from their employer. The average company contribution for employees in DC is just below $6,000 per person, but that covers almost 80 percent of the premium cost.

Written by Todd Taylor

Todd Taylor

Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.

We’re ready to help! Call today: 800-903-6066