(Closed) Health Care Advice for Small Businesses

posted 5 years ago in Wellness
Post # 4
Member
3002 posts
Sugar bee
  • Wedding: May 2013

I’d contact a local agent who does company health plans. I do not have a health license so I can’t help you much more than that. Sorry =(

Post # 5
Member
11327 posts
Sugar Beekeeper
  • Wedding: February 2011

I’m an independant contractor and in my experience only (based on research 4 years ago when I started), no you can’t get a business plan for 1 person. The purpose of a business plan is to create groups of people to spread risk. One person is just an individual plan. Be warned, it will be expensive and will most likely suck. I’m not sure how obamacare will come into play, it might be much easier to get insurance now, but when I was going through it, it was terrible. I had to go through an insurance broker and it took months. No one wanted to cover me because of a very minor pre-existing condition. 

Post # 6
Member
6809 posts
Busy Beekeeper
  • Wedding: June 2011

I work for an insurance company and deal with small employers.  I can try to answer your questions. For setting up insurance for a buiness for one person that depends on what state you live in.  I know the company I work for (one of the largest in the USA) most states allow if you have 2 or more employees. The only state I can think of that allows 1 person on a policy for business is the state of Florida.

Most insurance companies will let you set up your own open enrollment date. 

Post # 7
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

I’m not entirely sure about how many it requires to have a group plan, but I think as few as two employees can start a group plan. A local insurance broker can probably help you out.

I do know that you can basically choose your start/open enrollment date based on when you start the plan. My company is a small business (~20 people) and has an open enrollment date of March 1 every year because March is the month the plan originated.

Post # 9
Member
6809 posts
Busy Beekeeper
  • Wedding: June 2011

@roxy821:  Unfortunately I don’t know much about MA.  Sorry! 

Post # 11
Member
11327 posts
Sugar Beekeeper
  • Wedding: February 2011

@roxy821:  Just to be clear, I was not complainting about obamacare! I actually meant it might be easier now that it has passed because I know it has provisions about not excluding for pre-existing conditions (which was my biggest headache). I just don’t know when that goes into effect, because I’m now on my husband’s group plan so it isn’t a problem for me.

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