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Affordable Small Business Group Health Insurance with Prime Insurance
At Prime Insurance Brokerage, we understand the unique needs of small businesses. We offer comprehensive Small Business Group Health Insurance plans designed to provide the coverage your employees need while also fitting within your budget.
Prime Insurance Brokerage - Your Trusted Partner for Small Business Group Health Insurance
At Prime Insurance Brokerage, we specialize in providing comprehensive Small Business Group Health Insurance plans. We understand the unique needs of small businesses and are committed to offering solutions that provide the coverage your employees need while fitting within your budget.
Why Choose Small Business Group Health Coverage?
WIDE RANGE OF OPTIONS
COST EFFICIENCY
TAX BENEFITS
What is Group Health Insurance?
Group health insurance is a policy that is purchased by an employer and offered to eligible employees (and often to the employees' dependents) as a benefit of working for that company. The employer usually pays a portion of the premium, and the employee pays the rest.
Who is Eligible for Group Health Insurance?
Typically, full-time employees are eligible for group health insurance. Some companies also offer coverage to part-time employees. Dependents of employees, which can include spouses and children, may also be eligible for coverage.
How Much Does Group Health Insurance Cost?
The cost of group health insurance can vary widely depending on the size of the group, the type of coverage chosen, the health of the employees, and other factors. Both the employer and the employees typically share the cost of the premiums.
What Does Group Health Insurance Cover?
Group health insurance typically covers a portion of healthcare costs in exchange for a monthly premium. Coverage can include a range of healthcare services, including preventive care (like vaccinations and screenings), emergency services, hospitalization, maternity and newborn care, mental health services, prescription drugs, and more. The specific coverage details can vary from plan to plan
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Need help finding the right health coverage?
Call us at 864-536-0981 or email at quote@primeinsurancebrokerage.com
Understanding the Small Group Market
The small group market for health insurance coverage includes small employers with 2-50 employees. It's important to note that individuals who are self-employed or have no employees are generally not able to purchase coverage in the small group market, but may access coverage in the individual market.
Your Coverage Options - Private Market
In the private market, businesses purchase health insurance just as they always have. This typically involves purchasing coverage through an agent, but it can also be purchased directly from a small group health insurance issuer. At Prime Insurance Brokerage, we can guide you through this process, ensuring you find the best coverage for your needs.
Federal Tax Credits and Employer Shared Responsibility
If you have fewer than 25 full-time equivalent employees, pay employees an average annual wage that's less than $50,000, and pay at least half of your employees' health insurance premiums, you may qualify for a federal tax credit to offset the cost of your insurance. The Affordable Care Act includes a penalty that is imposed on certain employers if they don't provide health insurance coverage to employees and their dependents. This is officially entitled the Employer Shared Responsibility Payment, but is sometimes referred to as the employer mandate.
Choosing the Right Plan with Prime Insurance Brokerage
When choosing a health insurance plan for your small business, consider who will be covered, how much cost sharing you can afford, and what kinds of benefits are important for you and your employees. At Prime Insurance Brokerage, we can help you compare small business health insurance options and walk you through the enrollment process. We can also help you determine if your business qualifies for a health insurance tax credit.
Why Choose Prime Insurance Brokerage?
We offer a curated selection of affordable group health insurance plans from trusted carriers. Our licensed agents can provide personalized recommendations and walk you through the application and enrollment process with no pressure or expectations to enroll. We’re your advocate, we have the best prices, and we’re unbiased.
Take Control of Your Health Plan Options
Get started with our free health insurance quote.
Need help choosing the right health plan? Call us at 864-536-0981 Monday - Friday, 8:00 am - 5:00 pm ET.