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Illinois Small Business Health Insurance

From the "windy city" to the farmlands, the hard-working mentality of Illinois residents is providing small businesses with plenty of opportunity for growth. With this growth comes a demand for quality employees, which in today's competitive market requires that employers provide more than just good pay. Health insurance is one part of a benefit package that all businesses should offer their workers. In 2003, only 40% of small businesses in Illinois offered health insurance. Those companies who didn't claim cost as their main obstacle. In addition to introducing consumer-driven health plans, state leaders are trying to assist the small business owner overcome this hurdle in a more practical way. If passed into law, the Healthy Illinois Act would help to insure nearly two million workers. Insurance carriers in Illinois are working as well 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 Illinois Small Business Health Insurance Providers

• Aetna
  
  
• UNICARE
  
  
• United HealthCare
  
  

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

• Aetna
  
  
• American Medical Security Life Insurance Company
  
  
• BlueCross BlueShield of Illinois
  
  
• Celtic Insurance Company
  
  
• Golden Rule
  
  
• Humana
  
  
• Time Insurance Company
  
  
• UNICARE

Illinois’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. Illinois requires a limit on how much these premiums can vary from the standard premium.
  
  
• Group plan premiums can increase due to claims experience, but only to a defined limit.
  
  
• Self-employed workers with no employees cannot enroll in a group plan. However, self-employed workers can deduct up to 90% of their premium costs their federal return.

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