Employer Sponsored Group Insurance

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Reasons to Purchase Group Coverage

• Better Access to Care
• Manageable Costs and Financial Security
• Tax Benefits for Your Business
• Better Employee Recruitment and Retention 

What Is Group Coverage?

Group medical coverage refers to a single policy issued to a group (typically a business with employees, although there are other kinds of groups that can get coverage) that covers all eligible employees and sometimes the employee's dependents. Individual medical coverage, on the other hand, is a single policy issued to a single person or family.

Is Your Business Eligible for Group Coverage?

Under federal law, small employers are guaranteed group coverage should they choose to purchase it, regardless of the employees’ health status. A “small employer” is defined as a business with 2 to 50 full-time employees. Owners are generally counted as employees, so sole proprietorships with one employee usually fall into this category, as do partnerships without any employees (by definition partnerships have two or more partners). Some states define the self-employed as “groups of one” and require insurers to guarantee issue them coverage in the small group market.