<h3>What Will it Cost Me to Offer Health Insurance to My Employees?</h3>

The amount you can expect to pay to offer group health insurance to your employees depends on a variety of factors, including the number of employees you have, how many employees you plan to provide coverage for, the county you do business in, and how much money you’d like to contribute to coverage for your employees. Fortunately, we can provide you with a cost estimate in a matter of minutes. Just get in touch with us and tell us more about the employees you want to include in your group health insurance plan, as well as any budgetary restraints you have.

<h3>Do Small Businesses Have to Provide Health Insurance?</h3>

Small businesses with less than 50 full-time employees are not legally required to offer health insurance to their employees, though they may still decide to do so. But if you have 50 or more full-time employees working for your small business, the law requires you to provide them with health insurance or be penalized. More information about employee health insurance regulations can be found by looking up the Affordable Care Act and referencing the employer mandate.

<h3>Do Small Businesses Get a Tax Credit for Providing health Insurance to Employees?</h3>

There are tax credits available for small businesses that provide health insurance to their employees. However, not all small businesses qualify for these credits. If you want to qualify, you must do the following: Pay at least 50% of the insurance premiums for your full-time employees. Enroll in the Small Business Health Options Program for your state. Offer health insurance coverage for all employees who work for you full time. Employ fewer than 25 employees full time, with an annual average salary of $56,000 or less per employee You can visit the coveredca.com website to learn more about tax credits for small businesses and how to qualify for them.

<h3>What Do Group Health Insurance Brokers Do?</h3>

A Group health insurance brokers help small businesses find health insurance coverage that closely matches the needs of the employees and the company. Group health insurance brokers can also help businesses identify insurance plans that fit within their budgetary requirements. While working with a health insurance broker is not required in order for small businesses to receive group health insurance coverage, doing so can save time and make the process much easier. Group health insurance brokers have relationships with many different insurance providers. As a result, they can provide small businesses with many different coverage options.Preferred Provider Organization policy is a type of health plan that creates a network of participating providers by contracting with specific doctors, hospitals and other medical providers. With this kind of policy, you pay less for health care if you choose providers included in the plan's network. You may still use health care facilities outside of your policy's network, but you pay additional costs. These flexible plans are often preferred since they allow you to visit any in-network provider without a primary care physician referral.

TAKING THE PAIN OUT OF HEALTH INSURANCE

Group Health Insurance

Cover Your Employees with a Affordable Employee Benefit Group Health Insurance Plan

Sackett & Associates Insurance Services specializes in employee benefits. We will go through the alphabet of insurance lingo and help you decide the best way to retain employee satisfaction all while saving you money in premiums. There are many benefits to offering employees health insurance. A healthy workforce is more stable and productive, which ultimately translates into increased revenue and net profit. The global economy has made it harder for businesses with high overhead to compete. However, health insurance and group coverage helps retain talented employees, which leads to a competitive advantage in the marketplace.

Both employees and employers benefit when small business health insurance is available. Unfortunately, it can be expensive. If you’ve hesitated due to cost, we can help! We are an independent insurance agency, which means we can find a policy for you that is not only affordable, but also meets your specific needs. At Sackett Insurance we work with several reputable affiliates to procure the best policy available.

Taking Care of Your Employees

Your employees are the most important part of your organization. Take care of your employees by offering the best insurance benefits you can. When your workforce is healthy, your whole organization benefits. Unfortunately, employee benefits can be unaffordable for some small business owners. If you’re concerned about the cost of group health insurance, Sackett & Associates Insurance Services has the solution. We’re an independent agency, meaning we work with various affiliates and shop around for the best policies at affordable prices.

Insurance Broker Helping Small Business Client

Options to Keep Everyone Healthy

If you have more than 50 full-time employees, you are legally required to offer them health insurance. However it’s a good idea to provide coverage for any number of employees, since it allows them to visit a health provider when needed and to be protected in case of emergencies. Ultimately, it means you can have a stable workforce.

We specialize in employee benefits so we understand what you need, whether it’s for two or 200. We offer coverage for health, dental, vision, life and long-term disability. The price of coverage will depend on several factors, including the number and age of employees, their dependents, their home zip codes, and the business zip code.

Supportive Services

In conjunction with our comprehensive coverage options, we offer services to ensure your small business insurance is working smoothly.

HR Platform

Simplified hiring and onboarding processes for the utmost convenience for you and your new hires. You can also manage all employee records in one place.

Compliance

Assistance with complying with ACA and other government regulations. You’ll get important notifications and required actions on an employee’s compliance status.

Payroll

Full-service automated payroll based on your HR, benefits, and time data.

Your Small Business Deserves a Stable Workforce

Your employees are the most important part of your organization. Take care of your employees by offering the best insurance benefits you can. We’ve been providing coverage for small businesses for over 30 years. Our expertise and independence allows us to provide unique solutions whether you have three or 300 employees. Even though the legal requirements for health insurance start when you hire 50 full-time employees, it’s smart to cover any number of employees you have. Giving your employees access to healthcare and emergency services gives you a stable, reliable, and motivated workforce. We have cost-effective coverage for health, vision, and dental insurance.

handshake between insurance broker and client

Employee Benefits Packages Tailored To Meets Your Needs

We recognize the reality that each business has unique needs. That’s why we have been a client-centered agency since our inception. Our personalized service includes insurance quotes based specifically on your needs and educational seminars for your employees. We’ll come to your workplace to inform all your employees about the benefits available to them. We know insurance can be confusing, so we’ll break down all the industry terms, explain paperwork, and answer any questions so you can focus on other important work. Whenever any of your employees have a concern or need to file a claim, they’ll talk to one of our representatives instead of an automated system. Sackett Insurance Services offers all the essential benefits packages for your employes. Our plans include: health, vision, dental, life and long term disability.

Personalized Group Health Insurance Service

We recognize the importance of giving prompt attention to your business. We offer on-site benefits seminars to help educate each employee about the policies available to them. We take the time to explain terms, answer questions, and go through all the paperwork so everyone understands the options and makes an informed choice. When someone needs to file a claim or has a coverage concern, a live person will answer the phone, not an automated system that can mean hours of waiting on hold.

Insurance Broker Helping Client Pick Plan on Computer

Group Health Insurance FAQ

What Will it Cost Me to Offer Health Insurance to My Employees?

The amount you can expect to pay to offer group health insurance to your employees depends on a variety of factors, including the number of employees you have, how many employees you plan to provide coverage for, the county you do business in, and how much money you’d like to contribute to coverage for your employees. Fortunately, we can provide you with a cost estimate in a matter of minutes. Just get in touch with us and tell us more about the employees you want to include in your group health insurance plan, as well as any budgetary restraints you have.
Do Small Businesses Have to Provide Health Insurance?

Small businesses with less than 50 full-time employees are not legally required to offer health insurance to their employees, though they may still decide to do so. But if you have 50 or more full-time employees working for your small business, the law requires you to provide them with health insurance or be penalized. More information about employee health insurance regulations can be found by looking up the Affordable Care Act and referencing the employer mandate.
Do Small Businesses Get a Tax Credit for Providing health Insurance to Employees?
There are tax credits available for small businesses that provide health insurance to their employees. However, not all small businesses qualify for these credits. If you want to qualify, you must do the following:
- Pay at least 50% of the insurance premiums for your full-time employees.
- Enroll in the Small Business Health Options Program for your state.
- Offer health insurance coverage for all employees who work for you full time.
- Employ fewer than 25 employees full time, with an annual average salary of $56,000 or less per employee
You can visit the coveredca.com website to learn more about tax credits for small businesses and how to qualify for them.
What Do Group Health Insurance Brokers Do?

A Group health insurance brokers help small businesses find health insurance coverage that closely matches the needs of the employees and the company. Group health insurance brokers can also help businesses identify insurance plans that fit within their budgetary requirements. While working with a health insurance broker is not required in order for small businesses to receive group health insurance coverage, doing so can save time and make the process much easier. Group health insurance brokers have relationships with many different insurance providers. As a result, they can provide small businesses with many different coverage options.Preferred Provider Organization policy is a type of health plan that creates a network of participating providers by contracting with specific doctors, hospitals and other medical providers. With this kind of policy, you pay less for health care if you choose providers included in the plan's network. You may still use health care facilities outside of your policy's network, but you pay additional costs. These flexible plans are often preferred since they allow you to visit any in-network provider without a primary care physician referral.