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Connecticut Small Business Health Insurance

Connecticut has a rich history of pioneer settlement. Brave souls plodded their way south from Massachusetts soon after the arrival of the pilgrims. Some of those travelers passed through, others stayed in Connecticut and helped it grow and prosper. Today, the state boasts another set of brave souls: small business owners, whose contribution to the state's economy cannot be underestimated. In 2000, businesses with less than 500 employees utilized over 50% of the state's non-farming workers. (Source: U.S. Department of Commerce, Census Bureau.)

Small business owners in Connecticut are doing their best to keep their employees happy; 54.6% offered insurance to their employees in 2003, an eleven percent difference between the United States average. For those who don't offer insurance yet, the state's small business community, including the Connecticut Business & Industry Association, is drumming up small business interest by allowing their small business members an opportunity to obtain association insurance. In addition, insurance carriers in Connecticut 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 Connecticut Small Business Health Insurance Providers

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

• Aetna
  
  
• Anthem BlueCross BlueShield of Connecticut
  
  
• Celtic Insurance Company
  
  
• Golden Rule

Connecticut’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability 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, and cannot cancel a plan due solely to the health status of a group member. Some companies may require that employers contribute a certain percentage of the premiums or have a minimum number of workers enrolled in the plan.
  
  
• Insurance carriers cannot charge higher premiums due to the health of an enrolled member. They can charge higher premiums for demographic characteristics, size of the business and location of the business. Companies with more than 50 employees are not offered this guarantee.
  
  
• Insurance companies must offer those who employ 1-50 people standardized "Blue Ribbon" health plans along with non-standardized plans.
  
  
• The self-employed with no employees are eligible to purchase group health insurance, although carriers can require proof of self-employment. 100% of the cost of premiums can be deducted from federal income taxes.

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