Small Business Health Insurance

Small Business

Our Benefits

How It Works

Remote employees can pick plans in their area, even if it’s a different location than their employer.
There are no minimum participation requirements. Employees can waive coverage if they wish.
Employees can enroll outside of the federal open enrollment period.
All employees can participate, even part-time and seasonal workers.
Gives employers freedom to control costs and there are no limits to how much an employer can reimburse.
More options means employees can choose plans and doctors that work for them.
Employees can keep them if they change jobs, the only change would be the employer reimbursement.

To learn more about your options, call 1-844-627-8582, or click here to get a quote.

Health Maintenance Organization (HMO): HMO plans offer affordable, comprehensive health coverage with relatively low out-of-pocket costs, but most care must be done in-network to avoid additional costs.

Each member selects an in-network Primary Care Physician (PCP)
Referrals from your PCP are often required to see a specialist
Out-of-pocket costs are predictable and often limited to low annual deductibles and copayments for doctor visits and other covered services
The number of providers in the HMO network varies by location

Preferred Provider Organization (PPO): While premiums are often higher for a PPO than for an HMO plan, a PPOs typically offer larger networks and will give you more flexibility.

Members don’t have to choose a PCP
Members don’t need a referral to see a Specialist
Members can choose any doctor or hospital regardless of whether the provider is in the plan’s network (costs may increase for out-of-network care)
Out-of-pocket costs may include annual deductibles, copayments, and coinsurance for covered services

Point of Service Plan (POS): A POS health plan is a hybrid, containing features of PPOs and HMOs. POS plan premiums are often mid-range between HMO and PPO plans. However, POS network size varies by location.

Members usually need to select an in-network PCP
Members usually don’t need a referral to a Specialist to receive POS plan benefits
Members can choose to use the plan’s provider network for some services and go outside the network for other services
Members usually pay a small portion of the cost of covered services when they stay in the POS network

Assess your needs

First, determine what your small business needs in a health insurance plan. Consider the following:

Who will be covered? Consider the needs of your employees and their dependents to find a plan that will suit the diverse medical and financial needs of the group.
How much cost sharing can you afford? Premiums for small business health insurance are paid by the employees and the employer. Make sure consider how much cost sharing makes sense for your business.
What kinds of benefits are important for you and your employees? While federal privacy laws prohibit employers from inquiring about employees’ medical history, it’s important to ask your employees which types of benefits are important to them.

Compare small business health insurance options

There are a lot of factors to consider when weighing your small business health insurance options. At eHealth, we recommend using the following 5 criteria to find plans that best match your needs:

Monthly premiums: Know what you and your employees will be able to pay on a monthly basis.
Deductibles, copayments and coinsurance: Ensure these types of payments will be manageable for you and your employees when you receive medical care.
Medical provider networks: If you already have a preferred doctor or facility, make sure they’ll be included in your new coverage.
Prescription drug coverage: Use the Policywizzard prescription drug comparison tool to see which plans cover the costs of certain prescriptions.
Coverage add-ons: With Policywizzard, you can add things like vision and dental care to ensure your employees are fully covered.

Small business health insurance enrollment process

Enrollment is the process of getting your employees and their dependents signed up for your new health plan. Once you’ve selected a plan, an eHealth agent can walk you through the enrollment process.
During enrollment, be sure to answer all questions honestly and to the best of your knowledge. Though premiums may differ based on the medical history of certain individuals, no employee will be declined coverage.

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