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Alabama Small Business Health Insurance

Setting up shop in Alabama affords the small business owner many advantages, including friendly consumers and an even friendlier climate. Unfortunately, the weary entrepreneur is often times chased away by the state's high health insurance costs, which amounted to over $17,000 million in the year 2000. Because of this cost, only 47% of all small businesses in the state of Alabama offer their employees health insurance, and many of these do so through an affiliation with trade or professional associations.

In today's competitive economy, it has become apparent that small businesses that offer no health insurance have little chance at competing with large corporations. Employees today know their worth, demanding health coverage along with low premiums. In light of this demand, Alabama insurance carriers have worked hard to provide the small business owner with access to group plans that are affordable and satisfactory, in accordance with the state's insurance regulations.

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Featured Alabama Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in Alabama, products are available from the following:

• Celtic Insurance Company
  
  
• Golden Rule
  
  
• Time Insurance Company

Alabama's Small Business Health Insurance Regulations

• For companies with 2-50 employees, health insurance carriers cannot deny coverage. For companies with more than three workers, they can, however, require that up to 75% of the employees be enrolled.
  
  
• Small business health insurance cannot be canceled due to the illness of one member of the group. This provision applies to all sizes of companies, and includes the ability to renew a policy without prejudice.
  
  
• Employers can be charged higher premiums due to the health of their employees; however, in small businesses of fewer than fifty employees there is a limit to how high the premiums can become. Those with more than fifty employees aren't afforded that same limitation.
  
  
• For the self-employed, group coverage is unavailable; however, they can deduct one hundred percent of the premium costs as an expense at tax time.

Request a free online quote for more information on Small Business solutions in Alabama >>