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Small Group Insurance and Rate Information
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What Every Small Business Owner Should Know About
The Advantages Of Small Group Health Insurance
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- Employers with 2-50 employees are eligible for group insurance under special protections
- Small employers can't be denied health insurance, even if workers have pre-existing health conditions
- Small
businesses can take advantage of purchasing arrangements through state
pool cooperatives, trade associations and other groups
- Small employers cannot be charged higher premiums because someone in their group plan is seriously ill
- Insurers must guarantee renewal of health insurance
- 100% of health insurance premiums paid by employers for employees are tax deductible
- Employee premium deductions paid out of pre-tax dollars can reduce your payroll taxes
While
most employers would like to offer health insurance to their employees,
cost is the single greatest prohibitive factor. However, some plans may
be more affordable than you think. Take a look at some examples of the
monthly premium cost for small business specific plans.
|
| Examples
of small group plan rates. Benefits vary. Talk to your
broker for detailed information and the most current rates |
|
Health Plan
|
25
yrs, Single
|
35
yrs, Single
|
50
yrs, Single
|
25
yrs, Family
|
35
yrs, Family
|
50
yrs, Family
|
| Aetna HMO |
$217
|
$260
|
$425
|
$871
|
$968
|
$1,170
|
| Aetna PPO |
$265
|
$346
|
$554
|
$935
|
$1,073
|
$1,437
|
| Blue Cross Classic HMO |
$212
|
$264
|
$363
|
$697
|
$809
|
$975
|
| Blue Cross Advantage PPO |
$308
|
$386
|
$702
|
$1,032
|
$1,200
|
$1,580
|
| Blue Shield Access HMO |
$210
|
$242
|
$371
|
$764
|
$830
|
$1,031
|
| Blue Shield PPO |
$226
|
$275
|
$522
|
$763
|
$878
|
$1,191
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| Community Health Group Preferred 20 |
$142
|
$165
|
$268
|
$659
|
$741
|
$1,044
|
| Health Net HMO |
$268
|
$299
|
$477
|
$1,029
|
$1,073
|
$1,279
|
| Health Net PPO |
$291
|
$359
|
$644
|
$976
|
$1,112
|
$1,477
|
| Kaiser HMO |
$188
|
$208
|
$350
|
$732
|
$810
|
$930
|
| Kaiser POS |
$216
|
$239
|
$401
|
$670
|
$760
|
$865
|
| PacifiCare Signature
Value HMO |
$236
|
$268
|
$402
|
$867
|
$936
|
$1,090
|
| PacifiCare Signature
Options PPO |
$234
|
$287
|
$512
|
$837
|
$941
|
$1,160
|
| Sharp |
$235
|
$275
|
$429
|
$914
|
$981
|
$1,192
|
| Sharp City Care
Benefits (Low) |
$205
|
$205
|
$342
|
$718
|
$718
|
$910
|
| Sharp City Care
Benefits (High) |
$220
|
$220
|
$367
|
$772
|
$772
|
$979
|
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more health issues
The
San Diego Business Healthcare Connection
http://www.sdbhc.org/pages/private.php
Top
Small Group Insurance and Rate Information
The
information and opinions expressed on this web site are not intended to
be a comprehensive study, nor provide legal advice, and should not be
treated as a substitute for specific advice concerning individual
situations. Arch1design is not
responsible for the content of external internet sites which link to
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