with no required health questionnaires. Some states require that quote requests do include health information; these requests will go through underwriting. In these states you will not be able to view instant small business health insurance quotes online. You may fill out the online small group health insurance quote request form and ask to receive quotes by email, fax, or mail. We recommend email and fax requests as you will receive your small group health insurance quotes more quickly. In some states, if your employees have certain pre-existing health conditions, processing may require more time and your small group medical insurance may not be as affordable. In some states you may request small business group health insurance quotes over the phone.

As the employer, do I need to contribute toward group medical insurance?

Yes, most if not all states require small businesses to contribute a minimum amount toward the cost of health insurance for the employees. This contribution is tax-deductible. The amount required also varies by state. The minimum contribution amount may be 50% of the employee-only rate or 50% of the employee-only rate for the youngest age bracket. If you choose to offer multiple insurance group health plans, the minimum contribution amount is often determined based on the least expensive plan offered. Different states have varying requirements regarding offering multiple plans. You will usually need to have a certain number of covered employees on your business health coverage to qualify for a multiple plan offering. You have the option to contribute a percentage amount or a specific dollar amount as long as you meet the minimum contribution requirements as determined by your state. Keep in mind that younger employees will have lower premiums. Paying a specific dollar amount toward your employees' small business medical coverage may reduce the employee contribution amount for younger employees to little or nothing, while reducing the premiums for older employees only slightly in comparison to the overall cost. Many employers feel that paying a specific dollar amount tends to favor young employees and that paying a percentage enables employers to help older employees carry the financial burden of group medical coverage costs which are already more burdensome for older employees.

Is my business eligible for small group health insurance?

Most states and carriers require at least two people to be on some kind of small business health insurance coverage for your company to qualify. Husband-wife businesses (see below) often qualify, but they will most likely need to file taxes jointly and in some cases both spouses may need to actually work in the business. There are other cases where you can get group health insurance medical coverage with only one person on the plan, which can be very convenient for single self-employed individuals. Some states offer coverage with only one covered member on the group health medical insurance (see below). Also, you be able to get coverage with only one covered member if you have an employee or spouse who already has other small business group health insurance outside of your company. Medicare coverage is usually counted as group insurance. If a married couple owns a business and one spouse is on Medicare, the other spouse may qualify for business medical insurance even though he/she would be the only one on the plan. In this case, the group health coverage would include the one covered member and the employee on Medicare would decline coverage due to already having group health insurance. In this case and some others, you may still want to get group medical insurance quotes even though there would only be one person on your business health insurance.

Medical Insurance for Small Businesses with just a Husband and Wife

For husband-wife businesses to qualify for small business health insurance, it is helpful if they file taxes jointly. In some states, both husband and wife will have to work a minimum number of hours per week in the business. The two must usually be listed as separate employees, rather than as one employee and one dependent. When including children on a small business insurance health plan, be sure to only include them as dependents on one spouse in order to avoid being double charged. It may be advantageous as far as price to include the children as dependents of the younger spouse. We usually recommend placing the children with the youngest spouse to receive the lowest group medical rates.

Group Health Insurance for Small Business Groups of One

Some states allow business insurance health coverage to be offered to groups with only one person on the small group health insurance. There may be requirements regarding the amount of hours worked, the amount of income gained from the business, and lack of eligibility to be a member of other health insurance groups. Check with the business medical insurance carrier to see if business group of one coverage is offered in your state and if you qualify.

Can I be denied business medical insurance?

If you qualify as a group, usually there are no denials for small business health coverage. Often, insurance for group health is issued automatically and there are no medical questionnaires. This means that in most states you will not be denied business insurance health coverage due to pre-existing medical conditions. However, in some states underwriters are used to evaluate quotes for small business medical health insurance. These underwriters may rate up a group that has certain pre-existing health conditions. To "rate up" means to increase prices above the standard norm.

Employee Eligibility for Small Group Health Insurance

Business health insurance carriers and state legislatures are looking for what is termed an "employer/employee relationship" to determine who qualifies to be on your small business medical insurance. Contract employees and 1099 employees are often deemed ineligible. In some states however, 1099 employees may qualify as long as they make up less than a certain percentage of your group and are contracted solely or mostly with your business. Exceptions usually apply for small business proprietors, partners and corporate officers. Employees usually must work at least 20 to 30 hours per week and be on payroll to be eligible for group insurance health coverage with your business. Check with your group health insurance agent or broker before requesting small business medical insurance quotes for 1099 employees.

Can I contribute more toward my managers' group health insurance premiums?

Yes, usually this is acceptable. The industry refers to this setup as a "management carve out". You can set this up through payroll deductions. Often, the employer group health insurance carrier does not need to be involved with this. Your main concern as the employer is that you can prove that you give equal and fair treatment to your employees. If you have a company policy in place that states that your business utilizes a management carve out, then you can contribute more to employees that qualify as "managers" and less to employees who are not managers. You will still need to meet the minimum contribution requirements for the employees who are not managers. We recommend that you have this in writing in your employee handbook, so that you are not at risk of having an employee charge you with discrimination. However, do not be afraid to implement a management carve out and reward high-value management level employees who contribute much to the success of your business. This is commonly done, and if you implement the management carve out consistently and according to the parameters laid out in your employee handbook, you shouldn't have a problem. You may wish to speak to your lawyer for more details on how to set this up and how to phrase the wording in your employee handbook.

Carriers that Offer Health Insurance for Business

Kaiser Permanente is one of many business group health insurance carriers. Other group health insurance providers include Anthem Blue Cross, Blue Shield, Aetna, Cigna, Health Net, United Healthcare/PacifiCare, Choice, Sharp, WHA, and others. Group health from Kaiser Permanente offers members some of the most advanced medical care in the world along with affordable group health insurance rates. We recommend getting business medical insurance quotes from more than one group health provider. View plans and rates from multiple group health insurance carriers, so you can compare and contrast various pricing and benefit structures and find the right group health coverage for your small business.

Why do some group health insurance providers do rate ups?

Some states allow rating up and some do not. If your state allows group health insurance companies to do rate ups for business quoting, then you will most likely not be able to view online group health rates, and if you request quotes to be sent to you, it may take a little longer to get your quotes. If a state allows rate ups, this is usually tantamount to forcing all providers to do rate ups. If a state allows a group health insurance company to increase rates for small groups with pre-existing health conditions, the group health insurance providers that do these rate ups are able to offer more affordable premiums for businesses that do not have pre-existing medical conditions. On the other hand, groups that have employees with pre-existing conditions will usually have pay more for their small business owner health insurance. Either way, this offers protection for the group health insurance carriers and allows them to offer more competitive prices to businesses without pre-existing health conditions. In a state where rate ups are allowed, group health medical insurance carriers who offer the same prices to all groups will often find that they are unable to compete with carriers that do rate ups. Ultimately, the carriers are forced to either start doing rate ups or be driven out of business.

Start with Kaiser Group Health Quotes

Kaiser business health insurance quotes are easy to obtain online. Once you know the rates, then you can narrow down your options to the right small business employee health insurance that fits your budget and your needs. Small and large companies alike are choosing Kaiser Permanente group medical insurance coverage for their employees. Why? Group Kaiser health insurance offers quality coverage at affordable prices. Employers know they get the biggest bang for their buck when they choose coverage for their business from Kaiser Permanente. For many business owners, it comes down to the bottom line; it's all about retaining quality employees and keeping them healthy.

Why choose KaiserQuotes.com for Kaiser small business health insurance?

KaiserQuotes.com is one of the leading providers of Kaiser group insurance in the United States. Business owners choose to apply through KaiserQuotes.com for three reasons:

1. We make the process easy! Get medical insurance for small business in three easy steps. Get quotes online, choose a plan and apply.
2. We offer affordable prices! KaiserQuotes.com offers online small business health insurance quotes from Kaiser Permanente at the lowest prices available.
3. We are committed to giving you great customer service! Our trained specialists may be reached by phone, email, fax or even online chat. Our representatives are committed to helping you find the group medical insurance that fits the needs of your business.

For most states, you can get your small business health insurance quote online in a matter of minutes. Get low cost group health insurance coverage at the right price. It's easy to reach a person at KaiserQuotes.com. You'll get live support from group medical health insurance specialists by phone, chat or email. You'll receive excellent service that is not only personal but knowledgeable when it comes to finding the right plan that is going to give you the benefits you want at pricing you can afford. Find affordable business health insurance for your company and apply now to get coverage in place for the first of next month. Employers who choose Kaiser group health insurance through KaiserQuotes.com are happy with the product, the pricing and especially the service they receive.

Group Health Insurance

from KAISER PERMANENTE

Number of Employees:    1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51+

(Enter the number of eligible employees
and/or owners you would like to insure.)

Your zip code: