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Group Health Insurance

Group Health Insurance

Health care represents a growing portion of the typical household budget. To cover these costs, many families rely on health insurance.

Although health insurance is available to individuals and families unaffiliated with any group—see Individual Health Insurance Quotes—the restrictions and expense associated with this choice are often prohibitive. More often, employers, unions, and other groups offer small business health insurance as a benefit to their members or employees, often paying a portion of the premium as an additional benefit.

Because the risks of such insurance are shared across the group, Small Business Health Insurance generally poses far fewer restrictions to the insured in terms of preexisting conditions, state of health, and other considerations.

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Small Business Health Insurance Quotes

What Small Business Health Insurance Is Not

Although Small Business Health Insurance poses fewer restrictions to membership than Personal Health Insurance, insureds are obligated to accept whatever limits of coverage are imposed on the group.

In practice, this means that insureds are less able to tailor a policy to individual needs. Small Business health insurance policies usually require that claims be filed, and may have high deductibles.

Generally preventive care is not covered. Low limits for major medical, mental health, and/or chemical dependency treatment may also be part of group health policies.

Offering Small Business Health Insurance is an expensive proposition for an employer, union, or other group. The advantages for employees and group members, however, are significant. As employee benefits go, Group Health Insurance is one that many employers would agree best enables them to attract and retain a high-quality work force.

business insurance

Things to consider

  • How many would be in the group?

  • What are their health characteristics?
  • It may be difficult to find an insurance plan that takes groups with under five participants.
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