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Arkansas Small Business Health Insurance

With the headquarters of the largest retail store in the world located just a hop, skip and a jump away, small business owners in the state of Arkansas have a constant incentive to build a presence. Amongst fierce competition, small companies are realizing that they cannot simply hire a person without providing benefits. Considering that Arkansas employers spent $2,483 in contributions for the year 2003, it is apparent that business owners realize the importance of their workers. Legislation has recently introduced a small business health insurance bill for small business owners, which would allow employers to claim an annual refundable tax credit if they pay at least 60% of the premium costs on behalf of their workers. In addition, insurance carriers in Arkansas are working hard to provide the small business owner access to group plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Arkansas Small Business Health Insurance Providers

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

• American Medical Security Life Insurance Company
  
  
• Arkansas Blue Cross Blue Shield
  
  
• Celtic Insurance Company
  
  
• Golden Rule

Arkansas’s Small Business Health Insurance Regulations

• Guaranteed issue is in effect, which means that insurance carriers must offer employers of 2-50 workers the same health plans that they offer other small businesses. Some companies may require that employers contribute a certain percentage of the premiums or have a minimum number of workers enrolled in the plan.
  
  
• Health insurance cannot be cancelled due to an illness of one member of a group plan, as long as the small business carried by the plan meets a minimum percentage of enrollees.
  
  
• Carriers providing coverage to employers with 2-25 employees are limited on how much they can increase annual premiums due to the health or demographic characteristics of those enrolled in their health plan. Small businesses with more than 25 employees are not offered this guarantee.
  

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