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Small Business Health, Dental, and Vision Insurance

Small Business

As a business owner, you want to maximize each dollar.   We can help you develop a benefit strategy that will be straightforward and work for you.   Since we are a broker we can offer creative, cost-effective solutions for your business.   Our knowledgable agents have been offering individual and small business health insurance for 15 years.  Let us help you develop your strategy.

Choose a product to begin your quote

Free quote for small business health insurance Health It’s one thing to be "covered", it’s another thing to know you have access to some of the best doctors, facilities, and procedures in the area. We can help you choose a plan that works as advertised.
Free quote for small business dental insurance Dental Your dental health is essential to your overall health and well-being. Providing dental coverage is a great benefit for any company.
Free quote for small business vision insurance Vision Smarter vision care not only helps with frames and lenses, but with early detection of chronic conditions like diabetes. Detection is key in helping reduce health care costs.
Free quote for small business travel, and missionary insurance Travel Many medical plans offer coverage outside the USA for emergency care, but some do not. Play it safe by adding a straightforward short term travel plan.
Free quote for small business life insurance Life Group life is a great way to get guaranteed issued life policies up to certain limits. Include this option on your group health quote.

Employer resources

Regulations for Employers Creditable Coverage
Notify Employees of Coverage Options (required)

Choose your group size to find out what rules apply to you
*Some states, including Washington state, define large groups as 100+

Can an employer contribute to an employee's individual health plan if they do not offer group coverage? Consider an HRA. However, you should contact an agent, or your benefit attorney for confirmation.
When can I sign up for a group plan? You can sign up for a group plan at any time and you can change your group plan to a different carrier at any time. Most carriers will not let you change your plan internally until the annual renewal.
How do I calculate Full time employees and Full time Employee Equivalents (FTE) I have? Click here for the healthcare.gov calculator.
How do I calculate part time and seasonal employees? Click here for the healthcare.gov calculator.
Do I have to offer coverage? No, but if you do, you have to follow the rules.
Do I have to offer coverage to dependents? No. Employers that currently do not offer insurance to dependents can wait until 2016 to offer it. Also, the definition of a dependent no longer includes foster children and stepchildren.
Is there penalty for not offering coverage? No, not for this group size.
What is the SHOP Marketplace? The Small-Business Health Options Program (SHOP) is a marketplace that helps some businesses provide health coverage to their employees.
Can I use the SHOP Marketplace? Yes, depending on your county.
Can I get a tax credit through the SHOP Marketplace? Employers with less than 25 employees may qualify for a small business health-care tax credit, if it is available in your area.
Is the SHOP Marketplace available in my county? Click here to find out if the SHOP is available for you (via healthcare.gov).
How do I calculate my tax credit? Click here for the healthcare.gov calculator.
What is the longest waiting period an employer can choose? First of the month, following a 60 day waiting period.
Can an employer contribute to an employee's individual health plan if they do not offer group coverage? Consider an HRA. However, you should contact an agent, or your benefit attorney for confirmation.
When can I sign up for a group plan? You can sign up for a group plan at any time and you can change your group plan to a different carrier at any time. Most carriers will not let you change your plan internally until the annual renewal.
How do I calculate Full time employees and Full time Employee Equivalents (FTE) I have? Click here for the healthcare.gov calculator.
How do I calculate part time and seasonal employees? Click here for the healthcare.gov calculator.
Do I have to offer coverage? Yes. Beginning in 2016, you will be subject to the Employer Shared Responsibility provision.
  1. You must employ on average berween 50-99 full-time and full-time equivalent employees during 2014.
  2. You cannot reduce the size of your workforce or overall hours between February 9, 2014 and December 31, 2014 in order to meet the 50-99 employee requirement.
  3. As of February 9, 2014, you cannot eliminate or materially reduce the health coverage that you offered between February 9, 2014 and December 31, 2015.
  4. Starting in 2016, you must offer health insurance to at least 95% of your full-time workers to avoid the penalty.
Do I have to offer coverage to dependents? No. Employers that currently do not offer insurance to dependents can wait until 2016 to offer it. Also, the definition of a dependent no longer includes foster children and stepchildren.
Is there penalty for not offering coverage? Yes. The penalty is called the Employer Shared Responsibility Payment, which goes into effect January 1, 2016.
What is the SHOP Marketplace? The Small-Business Health Options Program (SHOP) is a marketplace that helps some businesses provide health coverage to their employees.
Can I use the SHOP Marketplace? Yes, depending on your county.
Are there any health-care tax credits for my group size? Please check with your accountant to see if there are any credits available to you.
What is the longest waiting period an employer can choose? First of the month, following a 60 day waiting period.
Can an employer contribute to an employee's individual health plan if they do not offer group coverage? Consider an HRA. However, you should contact an agent, or your benefit attorney for confirmation.
When can I sign up for a group plan? You can sign up for a group plan at any time and you can change your group plan to a different carrier at any time. Most carriers will not let you change your plan internally until the annual renewal.
How do I calculate Full time employees and Full time Employee Equivalents (FTE) I have? Click here for the healthcare.gov calculator.
How do I calculate part time and seasonal employees? Click here for the healthcare.gov calculator.
Do I have to offer coverage? Yes. Beginning in 2015, you will be subject to the Employer Shared Responsibility provision.
  1. If your plan starts after January 1, 2015, you have until the first day of the month your plan year starts to comply with the new laws.
  2. You must offer at least one plan that is minimum value and affordable, or face penalties.
  3. Starting in 2016, you must offer health insurance to at least 95% of your full-time workers to avoid the penalty. (You are still subject to the penalty for each employee who gets subsidized coverage on the exchange.)
Do I have to offer coverage to dependents? No. Employers that currently do not offer insurance to dependents can wait until 2016 to offer it. Also, the definition of a dependent no longer includes foster children and stepchildren.
Is there penalty for not offering coverage? Yes. The penalty is called the Employer Shared Responsibility Payment, which goes into effect January 1, 2015.
What is the SHOP Marketplace? The Small-Business Health Options Program (SHOP) is a marketplace that helps some businesses provide health coverage to their employees.
Can I use the SHOP Marketplace? No, your business is too large.
Are there any health-care tax credits for my group size? Please check with your accountant to see if there are any credits available to you.
What is the longest waiting period an employer can choose? First of the month, following a 60 day waiting period.