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Georgia Small Business Health Insurance

When Atlanta hosted the Olympics, the whole world got to see how beautiful and friendly Georgia could be. Small business owners who have chosen Georgia as their home are also seeing more since the Olympics: more growth and more opportunity to expand. With personal health spending amounting to more than $30,000 million dollars statewide in 2000, thousands of Georgia residents are in search of jobs that can help pay for those expenses.

Only 36.9% of small businesses offered health insurance in 2003, leaving quite a few employees without insurance. Fortunately, consumer-driven health plans are an option for Georgia employers. These plans allow employees to take more responsibility for the health choices they make while saving employers valuable dollars in contributions. In addition, insurance carriers in Georgia are working to provide the small business owner access to group plans that are affordable and comprehensive, in accordance with the state's few insurance regulations.

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Featured Georgia Small Business Health Insurance Providers

• Aetna
  
  

In addition, if you are looking for information on Individual or Family Plans in Georgia, products are available from the following:

• Aetna
  
  
• BlueCross BlueShield of Georgia
  
  
• Celtic Insurance Company
  
  
• Golden Rule
  
  
• Humana
  
  
• Kaiser Permanente of Georgia
  
  
• Time Insurance Company

Georgia’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member. Minimum contribution or enrollment clauses may be in effect.
  
  
• Insurance carriers can impose a higher premium due to a group's health status, age or demographic characteristics. However, there are limits to how much premiums can vary.
  
  
• Small business coverage plans in Georgia allow for a pre-existing condition clause. It is legal for carriers to exclude coverage for a pre-existing condition for any length of time, including permanently.
  
  
• Self-employed workers with no employees may still be eligible to enroll in a group plan. However, this eligibility is based on specific circumstances. Consult the Georgia Department of Insurance for more information.

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