Small Group

As an employer, your ability to offer your workers health insurance helps you recruit and retain the best talent. It helps keep your employees healthier, happier and more productive. And, coverage options are available for businesses with up to 100 employees!

For more information or to schedule an appointment, please contact Stewart at 303-996-0354 or jstewart.racey@comcast.net.

Making Group Health Insurance Easier

  • Expand Employee Options: Offer your employees multiple plan choices.
  • Set Your Benefit Budget: You can choose your level of contribution and let your employees choose their coverage.
  • Open Year Round: You can begin coverage any time, you’re not required to wait for an open enrollment period.

Reduce Costs

Federal tax credits are available for small employers and non-profits to help cover the cost of health insurance for employees and their families. These tax credits can be as much as 50 percent of premium costs for small employers and 35 percent of premium costs for non-profits.

To qualify, small employers must:

  • Provide health insurance to employees and cover at least 50 percent of the cost of single coverage.
  • Employ fewer than 25 full-time workers (employers with fewer than 50 part-time workers may be eligible).
  • Pay average annual wages below $50,000, excluding the wages of owners and their families.

Understanding the Affordable Care Act

Not all self-employed persons and small businesses are affected by health reform in the same way. The law draws a sharp division between businesses with the equivalent (based on total hours worked) of 50 or more full-time employees and those with fewer than 50 employees. Businesses that employ the equivalent of 50 or more full-time workers will be required to provide group health insurance coverage to their employees or face financial penalties. Small businesses with fewer than the equivalent of 50 full-time workers are generally not required to provide group health insurance coverage, though tax incentives may be available to some who do. Individuals who do not receive group health insurance coverage through an employer-based plan are generally required to purchase coverage on their own or face possible tax penalties.