How to Offer Health Insurance as a Small Business

April 15, 2019 | By:Neilson Marketing Services
How to Offer Health Insurance as a Small Business

When highly qualified employees are looking for work, guess which benefit they care about most … 

If you guessed health insurance, you guessed right.

The number-one benefit that employees want the most when they’re looking for work is health insurance. It’s an expense they won’t have to worry about paying out-of-pocket, and it’s often just the thing that cinches the deal for the best workers.

But of course, providing health insurance to employees offers numerous benefits for you, the business owner, as well. First of all, you’ll be nabbing the very best employees from the workforce. Furthermore, health benefits boost overall work ethic and company harmony by facilitating a healthier work environment and a more positive office energy. In turn, this boosts productivity and success.

Still, as a small business owner, it can be challenging to understand what type of health insurance will be best for you and your business. If you’re ready to start choosing a small business health insurance plan for your business, let’s go over the steps you should take to find the plan that’s right for you.

How to Choose Small Business Health Insurance

1. Decide who to work with. 

Choose a health insurance broker who works frequently with small businesses. Not all brokers understand the nuances associated with small business policies and government requirements. 

2. Speak with your agent about your options.

A good health insurance agent will help you choose a plan by offering you several baseline options. In order to come up with these options, they’ll need to know some facts about your company, such as:

  • Your overall budget
  • How many employees you have and which of them will be insured (sometimes, part-time workers or other employees aren’t provided equal coverage)
  • What type of insurance you’re interested in and how much coverage

3. Look into SHOP.

SHOP refers to Small Business Health Options Program health insurance — offered by the government. In order to offer this type of insurance, you must qualify. Your agent will help you find out if you qualify and assist you in choosing a SHOP plan, if you do. 

4. Apply and make regular payments.

Your last step will be to formally sign up for your plan and make your first payment. Of course, you’ll also want to provide your employees with comprehensive information about their coverage and to learn about the claims process yourself. That way, you can confidently respond to any questions or concerns that may arise.

Shopping for Small Business Health Insurance

At Allegiant Insurance Services, we understand it can be difficult to choose the best health insurance plan for you and your employees. As you know, small businesses face unique challenges that larger companies and corporations simply don’t have to deal with. Moreover, you’re tasked with specific rules and regulations that can be tough to understand and follow. 

Fortunately, at Allegiant, we’re here to help. Go to our Small Business Health Insurance page to learn more about choosing the right level of health benefits for your company.

About Allegiant Insurance Services

At Allegiant Insurance Services, we handle all kinds of personal and business insurance needs. We provide our clients with highly personalized service to design responsible, tailored, and cost-effective insurance strategies for each individual situation. Give us a call today at (858) 771-2000 to discuss how we can serve you.

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