How to Quality for Small Business Health Insurance

Small business health insurance is one of the greatest benefits employers can offer their employees. To qualify for small business health insurance a minimum number of full-time employees who are enrolled are necessary. This number varies from state to state.

1. Be open for business for more than two months.


2. Have a minimum of two full-time employees but no more than 50. An employee is considered full-time if they work 30 or more hours per week. Most states only require two full time employees to qualify for small business group health insurance.  Check with your state for the exact minimum number required.


3. Group health insurance must be offered to all full-time employees to qualify.  


4. Employers must offer health insurance to full-time employees regardless of medical history or age.


5. Some insurance providers require that at least 75 percent of full-time employees are coved by their group health insurance to qualify.


6. Show payroll records for your small business, they may be required by the insurance company.


7. Show your employee identification number (EIN) to the company.


8. Those with pre-existing conditions may not be covered for those conditions for a specific amount of time determined by the carrier. They will be covered for anything that may arise.


9. Shop around for the best plan for your small-business health insurance needs. There are many different types of plans to choose from such as HMO, PPO or POS plans. Some are more flexible than others, but come with a higher cost.