Small and Large Business Plans
Health Insurance
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Small and Large Group Fully Insured Medical Plans
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Small and Large Group Self Funded Medical Plans
Dental Insurance
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Employer Sponsored and Voluntary Coverage
Vision Insurance
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Employer Sponsored and Voluntary Coverage
Life Insurance
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Employer Sponsored and Voluntary Term Life Insurance
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Guaranteed Issuance and medically underwritten
Disability Coverage
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Employer Sponsored and Voluntary Short Term Disability
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Employer Sponsored and Voluntary Long Term Disability
Annual Small Business Special Enrollment Period
(11/15-12/15/2024)
Between November 15 to December 15 each year, small businesses with 1 to 50 employees can apply for a Fully Insured group health insurance plan without needing to meet carrier participation and contribution requirements.
Who does this benefit?
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Employees who do not qualify for a tax credit through the Marketplace
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Employees who qualify for a tax credit through the Markertplace
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Employers who are able to satisfy minimum contribution requirements but are not able to satisfy participation requirements
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Employers who are able to satisfy participation requirements but are not able to satisfy contribution requirements
CARRIERS
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Small Business Coverage Eligibility Guidelines
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Husband and Wife employer groups with no W2 employees (non spousal) are only eligible for coverage when the business is a LLC Partnership that files Partnership Tax Returns.
Sole Proprietors are only eligible for coverage if there are part-time or full-time employees.
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All full time W2 employees are eligible for coverage and must be offered insurance.
QUOTE REQUEST
Please download our Census Spreadsheet and complete all highlighted columns. When your census is finalized please complete the below form and upload your census. Quote requests can take between 24-72 hours for a proposal. When completed your proposal will be emailed out.