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Maryland Small Business Health Insurance

Maryland doesn't just boast a beautiful coastline and friendly people. For small businesses, it inspires growth and persistence. After all, the state is home to many large corporations--Black & Decker and Marriott International among them--that started at the bottom of the food chain. They grew and expanded; now, smaller companies are trying to follow suit.

With this growth, however, comes an increasing need for loyal employees. Nothing attracts the solid worker more than a health package.In 2003, only 47.3% of small businesses in Maryland offered health insurance as part of their benefit package. As a result, insurance carriers are working hard to help employers change this by offering plans that are affordable and comprehensive, in accordance with Maryland's insurance regulations.

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Featured Maryland Small Business Health Insurance Providers

• CareFirst BlueCross BlueShield
  
  
• Coventry Insurance Company
  
  
• Kaiser Permanente of the Mid-Atlantic
  
  

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

• Aetna
  
  
• CareFirst BlueCross BlueShield
  
  
• Golden Rule
  
  
• Kaiser Permanente of the Mid-Atlantic
  
  

Maryland’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 the Comprehensive Standard Health Benefit Plan to all small businesses without pre-existing exceptions. The self-employed are eligible for this offer as well. Benefit riders may be offered in addition to the standardized plan, at the discretion of the insurance carrier.
  
  
• Insurance carriers cannot impose a higher premium due to a group's health status. Policies can vary with age, family size or location of business.
  
  
• Self-employed workers with no employees can enroll in a group plan. However, an individual plan affords the employer an opportunity to deduct some of the premium costs at tax time.

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