Employers and Small Businesses "Consider Your Options"

Employers should consider purchasing group indemnity insurance policies for employees to augment individual health insurance.  These policies pay cash to the employee in the event of certain injuries or illnesses.  The employee may use this money as they see fit including deductibles, co-payments or to pay the rent.  Most group insurance policies restrict an employer from providing this type of insurance, but individual policies have no such restrictions.

An employer is not required to offer group health insurance. In fact there may, sometimes, be good cause to NOT offer group health insurance.

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Any employer with at least one common law W-2 employee is eligible to purchase a group health insurance plan. 

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