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Iowa Small Business Health Insurance

The cornfields of Iowa may not command attention in the small business arena. Nevertheless, small business owners have realized that, although they may not live in the largest or most populous state in America, the state they call home is just as generous to the small business as more customer-saturated locations.

One large benefit afforded the small Iowan employer is access to a nonprofit alliance that allows overlapping territories to share enrollees. Employers pay only 25% of the lowest health care plan. It is no wonder that Iowa to be one of the best states to buy insurance, according to data collected in 2000 from the Medical Expenditure Panel Survey (MEPS). Still, only 37.3% of small businesses offered health insurance in 2003. Insurance carriers in Iowa are working to assist small business owners change that by offering them more access to group plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Iowa Small Business Health Insurance Providers

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

• American Medical Security Life Insurance Company
  
  
• Celtic Insurance Company
  
  
• Golden Rule
  

Iowa’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 is a limit to how much these premiums can vary from the standard premium.
  
  
• Self-employed workers with no employees cannot enroll in a group plan. However, self-employed workers can deduct up to 100% of their premium costs their federal return.

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