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Kentucky Small Business Health Insurance

The state of Kentucky offers their small business owners many incentives to offer health insurance. As expensive as insurance has become (small businesses contributed $2,749 million to single coverage health plans in 2003), small employers need all the help they can get. The state's House of Representatives recently passed a bill to allow small employers to place a portion of their contributed premiums into a high-risk pool which could then be drawn upon should the need arise. While the bill waits to be put into law, carriers have introduced consumer-driven health plans to help employers cut costs, in addition to helping employers find plans which are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Kentucky Small Business Health Insurance Providers

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

• Anthem BlueCross BlueShield of Kentucky
  
  
• Humana
  

Kentucky’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 must offer a standard health plan in addition to any non-standardized plan.
  
  
• Some insurance carriers offer temporary insurance to small business owners. Contact the Kentucky Department of Insurance for more information.
  
  
• 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.
  
  
• Self-employed workers with no employees cannot enroll in a group plan. However, they can claim from 70-90% of their premium costs as deductions on their federal return.

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