Health Plans for Small Employers

[Guest RW]

Any guidance, references on what health plans are suitable for very small employers?

[Larry M]

Whether you are a small or large employer, the most suitable health plan is the one which most closely matches your objectives and budget.

For very small employers (less than ten employees), the types of plans available are somewhat limited - but you still have choices.

Many of the Blue Cross/Blue Shield plans have web sites which list the options available to both small groups and individuals

A local broker (get references from other small employers or chamber of commerce) should be able to provide options for you. Make sure the broker is expereeinced and knowledgable in health benefits for small employers.

IF your company belongs to an association, that association may have a sponsored health plan available for employers such as yourself.

Many states have special plans established for small groups - check with your state's insurance department for information on these.

[KIP KRAUS]

Rw:

I agree with Larry. You may want to contact any HMOs in your area as well. Also check out this web site. There is a they have some helpful information here and some may be specific to your state.

http://www.insure.com/health/