- Providing world class service and value for employee benefit group plans since 1987
West Virginia’s workforce plays a critical role in the state’s growth, spanning industries such as manufacturing, healthcare, education, energy, and retail. According to recent labor statistics, small businesses make up over 98% of all employers in West Virginia, employing more than 48% of the state’s workforce. In this competitive market, offering valuable employee benefits is no longer a luxury — it’s a must.
Group health insurance in West Virginia helps businesses attract top talent, improve employee retention, and foster a healthier work environment. For employers, these plans also offer potential tax benefits and a stronger team morale. Whether you’re a startup with five employees or a larger company with 200 workers, the right group benefits package can set your business apart.
Taylor Benefits Insurance specializes in helping West Virginia companies find cost-effective and personalized employee benefits. From basic medical coverage to full-scale wellness programs, our plans are designed to support your business goals and your employees’ health needs.
Group health insurance is a type of plan that covers employees under a single policy, typically at a lower cost than individual insurance. In West Virginia, businesses with fewer than 50 employees are not legally required to offer coverage, but doing so provides significant advantages.
Key points about group health insurance in WV:
By working with a West Virginia group health insurance provider like Taylor Benefits Insurance, you can explore affordable options that meet both state requirements and employee expectations. Today’s executives and business owners in West Virginia are often too busy to pay attention to the details of their company’s health insurance and team benefits plan. This is one reason you should hire a qualified insurance broker for help in designing, implementing, and managing your collective plan. They’ll even have a larger variety of coverage and benefit options for you to take advantage of.
Good employee benefits in West Virginia go beyond health coverage. They show that you value your workforce and care about their well-being. This matters even more in a state where industries like healthcare, education, and manufacturing see high turnover and burnout.
Top reasons to offer a strong benefits package:
West Virginia employee benefits plans can also be designed to cover dependents, support mental health services, or offer perks like gym memberships, giving your company an edge in today’s job market.
At Taylor Benefits Insurance, we don’t believe in one-size-fits-all. Every business in West Virginia has unique needs depending on size, budget, and industry. That’s why we offer fully customizable group health insurance plans.
Our offerings include:
You can combine these options with other West Virginia employee benefit solutions like dental, vision, life insurance, disability coverage, and retirement plans. Taylor Benefits offers the education, resources, and expertise you need and deserve. Let our licensed and experienced insurance brokers guide you through a variety of healthcare coverage plans and benefits-related issues, including:
Employers in West Virginia must ensure their group benefits comply with both federal and state regulations. Key laws that impact employee benefits include:
Affordable Care Act (ACA): Large employers (50+ full-time employees) must offer affordable, minimum essential coverage.
ERISA: Governs most employer-sponsored benefit plans and sets standards for disclosure and reporting.
COBRA: Ensures continuation of coverage for eligible employees after job loss or reduction in hours.
Taylor Benefits Insurance keeps you informed and compliant, so you don’t have to worry about penalties or audits. We help you keep track of eligibility rules, required documentation, and enrollment procedures across your West Virginia workforce.
Many small businesses in WV worry that they can’t afford to offer health coverage. But that’s not always true. Taylor Benefits works closely with small business owners to design simple, affordable health insurance solutions.
For small employers (under 50 employees), we offer:
Access to the Small Business Health Options Program (SHOP)
Guidance on tax credits available through the ACA
Budget-friendly plans with flexible coverage levels
Tiered options where employees can choose from multiple plans
You don’t need a massive HR team to offer benefits. We handle the heavy lifting so you can focus on growing your business.
Group health insurance is often just the beginning. West Virginia doesn’t mandate paid or unpaid time off for workers, except for public interest requirements like jury duty, military service, and time to vote, all of which may be taken without pay. Still, many companies offer time off to stay competitive and provide their employees with the ability to refresh and relax, pursue personal interests, and seek a beneficial work-life balance.
Today’s employees in West Virginia expect more than just basic coverage. To stay competitive, consider adding the following options to your benefit package:
Dental and Vision Insurance: Helps reduce out-of-pocket costs for exams, glasses, and regular dental care.
Life and Disability Insurance: Offers peace of mind by protecting employees’ income and families.
Flexible Spending Accounts (FSAs): Allow pre-tax savings for healthcare or dependent care costs.
Retirement Plans (401(k), SIMPLE IRA): Help employees plan for the future, with optional employer contributions.
Mental Health and EAP Programs: Support employee well-being through counseling and mental wellness resources.
Wellness Incentives: Include gym memberships, health challenges, and stop-smoking support.
These additions can improve morale and reduce healthcare costs over time by promoting preventive care.
If you’re ready to offer better employee benefits and health coverage for your team, Taylor Benefits Insurance is here to help. We work with businesses across Charleston, Huntington, Morgantown, Parkersburg, and every corner of West Virginia.
Whether you want to explore full-scale group health insurance or start with a basic plan and build over time, we’ll tailor a solution that fits.
Call Taylor Benefits Insurance today at 800-903-6066 to schedule a free consultation and receive a no-obligation quote. Let us help you build a healthier, more loyal workforce with custom benefits that work for your West Virginia business.
Here are some answers to common concerns regarding health coverage plans and employee benefits:
In West Virginia, the market for large-team health insurance providers is very competitive. Because there are so many providers competing for the same customers in the area, it may be challenging to find one that matches your requirements. Highmark, Humana CareSource, Golden Rule Insurance Company, and UnitedHealthcare are some of WV’s most popular companies that offer group coverage.
There are many small business group health coverage providers in West Virginia for employers to choose from. However, some popular ones include Blue Cross Blue Shield, Aetna, Kaiser Permanente, CareSource, and UnitedHealthcare. You’ll need to find the best insurance provider for your needs and your budget, as they all offer very different prices for each of their packages.
What an employee receives as part of their employee benefits package is primarily determined by their employer. Medical protection, paid time off, life insurance, dental coverage, retirement, flexible savings accounts, paid vacations, and sick leave are some of the standard benefits that employers commonly provide to their staff as part of their benefits packages.
Paid vacations, gym memberships, and even educational assistance are examples of other benefits. While these are the most common benefits, some companies may offer others.
Staff advantages packages are generally valued based on the employer contribution. A benefits package that includes pet insurance and gym membership, in addition to health insurance and retirement assistance, for example, is worth more than one that only consists of the standard benefits.
Employee benefits, on average, are estimated to be worth up to 31 percent of an employee’s total compensation, with wages accounting for the remaining 69 percent. To determine the value of an employee benefits package, add up the costs of all the benefits you want to include.
Group health insurance is a type of health coverage offered by employers to their employees. It provides medical benefits to a group of people, typically at a lower cost than individual health plans. Group health insurance often includes a range of coverage options, such as doctor visits, hospital stays, and prescription drugs.
Group insurance in West Virginia typically covers a group of individuals under one policy, often offered through employers. Individual insurance is purchased directly by an individual. Group insurance may have lower premiums and broader coverage options, while individual insurance allows for more customization but can be more expensive.
Group health insurance for businesses in West Virginia offers cost savings, bargaining power with insurers, and improved employee retention. However, disadvantages include limited customization options, potential coverage gaps, and administrative burdens. Understanding what the advantages and disadvantages of group health insurance for businesses in West Virginia are crucial for making informed decisions.
Individuals who are not eligible for coverage in a group health policy in West Virginia typically include part-time employees, temporary workers, seasonal employees, independent contractors, and retirees. These individuals may not meet the eligibility criteria set by the insurance provider for group coverage.
In a group health insurance plan, typically both the employer and employees share the cost of premiums. The employer usually pays a portion of the premium, while the employees contribute through payroll deductions. The exact breakdown of how the premiums is split varies by company and plan structure.
Dental and vision care are typically not eligible for coverage in a group health policy. While medical services like hospital stays and doctor visits are commonly included, additional services such as dental and vision care often require separate insurance plans or riders for coverage.
In West Virginia, group health insurance premiums are typically calculated based on factors such as the number of employees, their ages, location, and the chosen coverage options. Insurance providers use this information to determine the overall cost of providing health insurance for a group.
In West Virginia, the cost of health insurance per month varies depending on factors such as age, health status, and coverage level. On average, individuals can expect to pay between $200 to $500 per month for health insurance in West Virginia. It is recommended to compare quotes from different providers to find the best rate.
The best health insurance plan available in West Virginia varies depending on individual needs and preferences. However, some popular options include plans offered by major insurers like Taylor Benefits Insurance Agency, Highmark Blue Cross Blue Shield, Aetna, and UnitedHealthcare. It is important to compare coverage, cost, and provider networks to determine the best fit for your healthcare needs.
In West Virginia, employers are not required by law to offer health insurance to employees. However, many employers choose to provide this benefit to attract and retain top talent. Offering health insurance can also help businesses comply with the Affordable Care Act’s employer mandate, depending on the size of the company.
Offering group health insurance for employers in West Virginia can attract and retain top talent, improve employee satisfaction, boost productivity, and potentially reduce costs through tax advantages. It also demonstrates a commitment to employee well-being and can help small businesses compete in the market.
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.
Todd Taylor with Taylor Benefits gives our small business the kind of personal service we need. Insurance benefits are important to our employees and Todd helps us find a balance between benefits and value. Todd responds immediately to my phone calls & e-mails. He has even gotten in touch with me on a Sunday when we were in need of coverage answers immediately. We are very pleased with the hands-on service Todd and his staff provide.”
-Ken and Linda Orvick, Orvick Management Group, Inc.
We’re ready to help! Call today: 800-903-6066