This section covers issues for small employers who want to understand coverage options for themselves and their employees.
Coverage for small employers
- I’ve heard that instead of offering a group health plan, I can offer my employees a “Health Reimbursement Arrangement” (HRA). What are these and should I offer them?
- I’m self-employed and the only employee I have is my spouse. What are my options?
- I’m self-employed and the only employee I have is my adult child. What are my options?
- I have 47 employees and I’m trying to decide if I should hire more. What are the implications if I have more than 50 employees?
- I’m a small business owner. Can I qualify for a tax credit to buy insurance?
- If I offer coverage to my employees, is there a minimum requirement for what I must contribute to the cost of my employees’ premiums?
- If I offer coverage, is there a minimum threshold for the number of employees that must enroll?
- I got this notice that says I can renew my insurance plan, which I've had since 2013. Should I renew? What are the benefits and disadvantages of doing that?
- I own my own business and have no employees, what are my options?
- I’m going to buy SHOP coverage. When can I enroll?
- I want to buy SHOP coverage. Can my employees pick their own plan?
- I’m interested in SHOP coverage but there aren’t any participating insurers in my area. Can I still get SHOP coverage, and can I still get the tax credit?
- I run a small business (less than 50 employees) with a mix of full-time and part-time workers. Am I required to offer coverage?