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Idaho Small Business Health Insurance

Potato growers aren't the only prolific workers in Idaho. New businesses, in particular those who employee under 500 workers, are sprouting from the soil almost as quickly as the potatoes. Between 1992-2002, Idaho averaged 15,600 new jobs a year, which is a consistent 3.1% increase. This influx of employees demands employers to focus more attention on employee loyalty. With a personal health care expenditure of nearly $4,000 million statewide in 2003, it is apparent that to keep employees, business owners would be wise to include a benefit package that includes health insurance. Fortunately, insurance carriers in Idaho are working hard to provide the small business owner access to group plans that are affordable and comprehensive, in accordance with the state's many insurance regulations.

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Featured Idaho Small Business Health Insurance Providers

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

• Blue Cross of Idaho
  
  
• Regence BlueShield of Idaho
  
  
• Time Insurance Company

Idaho’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. Companies may require a small business to enroll a certain percentage of employees in the plan. Employers may have to make a minimum contribution as well.
  
  
• Insurance carriers can impose a higher premium due to a group's health status, age or demographic characteristics. There is little limitation to how much carriers may charge.
  
  
• Insurance companies have to offer small employers three state standardized plans, in addition to non-standardized coverage.
  
  
• Self-employed workers with no employees cannot enroll in a group plan. However, they can deduct between 70-90% of yearly individual coverage premiums at tax time.

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