Ron Said:

Can a small business pinpoint who caused their group health insurance premiums to go up?

We Answered:

Contrary to the above answers in most states a small group premium can go up based upon the claims history of the group. It is not uncommon for premium to go up two to four hundred percent just for that one group.

Because of the HIPPA privacy laws there is no legal way for a business to pinpoint who causes the premium to increase. However, in most small groups it's fairly easy to figure it out because it's usually someone who spent time in the hospital or have taken many expensive tests.

Since the premium is based upon the claims experience of the group sometimes two or three people can contribute to the increase, which can make it harder to pinpoint one person.

Discrimination laws can prevent laying off an employee due to medical conditions. You'll have to find another excuse for laying off that person. Even with that person gone it can take several years to get the premium back down unless you completely change insurance companies.

Leslie Said:

Can I purchase BCBS group health insurance in the state of TEXAS?

We Answered:

General Research Guides for health:

Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens.
%http://www.healthalizer.com% is a health related search engine and %http://www.searchtopica.com% is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)

Tamara Said:

What are the requirements that a small business needs to meet to get group health insurance rates?

We Answered:

The larger the group the cheaper the rates because they can spread the risk. If you have a professional Association they might offer group plans. You need at least 10 employees to participate in most places otherwise. The rate will be a little high but it benefits employees that might not be able to get insurance otherwise. IE preexisting conditions (cancer,kidney disease,etc). Good luck.

Rhonda Said:

Health Insurance - Private vs Group Policy for small home-based business?

We Answered:

Most companies will offer group coverage for 2 employees. It is worth looking into but don't expect that a group plan will be any less expensive. Depending on your state regulations groups are mandated to cover certain procedures, such as mental health, that you may not want or need, which will increase the premium. Contact a local agent that can do quotes for both group and individual from a number of companies.

Group policies of fewer than 10 employees are individually underwritten and the premium is based on those results, just like with individual policies. Companies can decline to offer group policies based on those results as well. Group policies choices are limited compared to what is available with individual policies. You will not be more likely to secure better coverage because of those limitations.

You can deduct the premiums of either type on your taxes.

Frank Said:

How to Get Small Business Group Health Insurance?

We Answered:

healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.

Eva Said:

Small Business and Group Health Insurance?

We Answered:

Yes, you can get group insurance for as few as two people with most companies. Yes, it will cover pre-existing conditions. However, small group plans (fewer than 10 - 20 employees depending on the company and state) are individually underwritten, which means that they will price the plan according to the current health of the group. The pre-existing conditions that any of the members have will increase the premium. Depending on the situation and company the premium could be several times what your premium is currently.

Speak to a local agent that works with all of the major companies in your area to get more information. The agent will need a census and health history of all possible employees before they can give you even a ballpark figure.

Yes, he can keep his current job while starting the business. How many jobs he has will have no bearing on the group policy.

Kim Said:

Need to know of a insurance comp that small business can purchase group health plan & not have agency involved?

We Answered:

health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.