Beth Said:

Why does health insurance for small business cost more than for large busines?

We Answered:

Numbers.............unless they have a HUGE group of like business's like the Unions, they cannot get the reduced rates.

Frances Said:

How much does blue cross small business health insurance cost for 10 employees.?

We Answered:

It depends on several factors, including the type of business, age of the group members, general health and claims experience of the members (and any family members also included in the plan), location, type of plan, and deductible.

For the sake of comparison, if everyone is in fairly good health and not working in a physically dangerous job, in Virginia a plan with a $500 deductible (and $25 copayments for doctor office visits from day one) would run approximately $3000/month. If anyone in the group is seriously overweight, or has any significant health issues, it could easily go to $4500 (or more, depending on how many people have issues.)

Honestly, you'd really need to speak with an agent who can help you determine what's called the CMF (a rating factor they use based on the health and claims experience of the members of the group) and figure out which plans might be a good match.

If you're looking in Virginia or West Virginia, I can help you. You can contact me directly via email, if you like.

Cathy Said:

What do I need to look for when researching small business health insurance plans?

We Answered:

You should request information from all the major health care providers in your area. Make sure you ask for price sheets that compare all of their plans. Once you have them you can compare all the companies. The best rate will probably be an HMO, but look into others as well. Also ask your employees what they want in health care coverage, or what plans they had with other employers.

Michele Said:

Does anyone from NYS know about goverment subsidized health insurance for small business'?

We Answered:

Since small businesses find it hard to offer expensive health insurances, there are alternative options available like Medical Tourism to countries that offer low cost but high quality medical services. People with the need for elective surgery can travel to such a hospital in India or Thailand. Check out sites like http://www.MedicalExcursions.com or http://MyMedicalExcursions.com

Kyle Said:

Can a felon get Health and a small Business Insurance?

We Answered:

OK, I've written business insurance on businesses owned by felons. It's not a deal breaker, but for a NEW business, you're likely going to be in the surplus lines market. You need to go to an independent agent, give them details on the type of business it is, and get quotes for the business insurance.

If you're only buying health insurance for one or two employees, it's going to be INDIVIDUAL coverage, not a group plan, in most states. It gets underwritten and priced based on the age, the health, and the coverages. If the agent doing the business insurance isn't licensed for health insurance, ask them for a referral.

**caveat - any illegal acts committed by an owner of the business are NOT COVERED anyway - just want to make sure you know that. If the partner runs off with the stock, it's your loss.**

Pauline Said:

Getting health insurance for a small business?

We Answered:

I don't know any other way apart from filling forms an speaking to agents.

You can try http://www.best-american-insurers-free-c… they are quick and won't ask for much employer info, just general.