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Massachusetts Small Business Health Insurance

Massachusetts hold a special place in the minds of thousands of Americans, not only as a state steeped in history, but also as the birthplace of Thanksgiving. Small business owners in Massachusetts recognize this holiday perhaps more than most, as they are lucky enough to occupy a state that is kind to the small employer, especially the one-person business. Between 1999-2001, the number of self-employed individuals in Massachusetts grew by 5.8%.

With this much growth, competition isn't just in the marketplace. Small businesses compete for loyal employees. In order to compete these days, small businesses are realizing that they need to offer a comprehensive benefit package that includes health insurance. With already 56.2% of small businesses offering health insurance in 2003, it is apparent that small employers here know the worth of their workers. However, there are still many businesses, which cannot afford the cost of health premiums.

The state is trying to help small businesses join the competition by offering health savings account options, as well as access to the Masshealth Insurance Partnership, which is a state program to help small businesses pay for coverage for those with incomes not exceeding 200% of the federal poverty level. In addition, insurance carriers are doing their part by offering employers plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Massachusetts’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 1-50 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 imposed.
  
  
• Insurance carriers cannot charge higher premiums due to health status, gender or claims experience. Premiums can vary with age, family size, occupation or location of those in the group.
  
  
• Self-employed workers with no employees can enroll in a group plan, however those who choose an individual policy can deduct a portion of their premium costs when they file federal income tax.

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