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Group Health Insurance

Group Health Insurance helps you and your employees pay for health care expenses. Businesses with 1 or more employees are eligible to purchase group health insurance.

Why choose a group health plan?

Group health insurance plans are designed to be more cost-effective for businesses. Employee premiums are typically less expensive than those for an individual health plan. Premiums are paid with pretax dollars, which help employees pay less in annual taxes. Employers pay lower payroll taxes and can deduct their annual contributions when calculating income taxes.

How group health insurance works?

Health insurance helps businesses pay for health care expenses for their employees. When you pay an insurance companies pay a portion of your medical costs, including for regular doctor checkups or injuries and treatments for accidents and long-term illnesses. The amount and services that are covered vary by plan.

Providing health insurance as a small business is a great way to hire and retain excellent employees. The Affordable Care Act currently requires small businesses to offer health insurance, if they have 50 or more full time workers.  If certain small business fails to provide health insurance to employees, they may be subject to fines. 

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