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It varies by state, but normally you have to have at least two or three. Some states require 5. Keep in mind, it's not the same as being added to an EXISTING group policy - the rates will be individually set, based on the average age and health of your group, and preexisting conditions CAN be excluded for a certain period of time. Also, you'll have to offer the health insurance to ALL the employees who are in the same 'class', and the employer has to pay at least half the premium for each employee.

by mbrcatz

1 month ago

Asker's Rating: 

One. It doesn't matter which state if you do individual plans. Otherwise if you want group (and pay more for less healthy scrutiny) most states require two. Avoid group if you can as it's cheaper, gives the employee more choices and it's portable for them. The only caveat is if they're not healthy...which still isn't an issue in my state since my state has an affordable plan that covers otherwise uncoverable pre-existing conditions (diabetes, cancers, pregnancies, etc...) And, our state plan is still cheaper than group plans.

by Insurance Pickle.com- 1 month ago