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Mississippi Small Business Health Insurance

Mississippi is the southern shadow, a state that stays in the background but nonetheless casts its influence over the remainder of the country. It rivals Las Vegas in entertainment value with its statewide casinos. However, in the midst of all of this big business is a smaller entity trying to break free. Small business in Mississippi is struggling, even though businesses with less than 500 workers employed nearly half of the state's non-sectarian workers in the year 2000. The problem may be the small business's inability to keep quality employees.

In 2003, only 28.4% of small businesses offered health insurance to their employees, which in today's age of health awareness is corporate suicide. Compared to the national average of over forty percent, it is easier to see why small businesses in Mississippi are having difficulty. But state government is trying to help. Consumer-driven health plans have now been introduced statewide, which will save employers money on premium costs. In addition, insurance carriers are also helping the cause by offering employers plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Mississippi Small Business Health Insurance Providers

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

• Celtic Insurance Company
  
  
• Golden Rule
  

Mississippi’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 charge higher group premiums due to health status, age, gender and risk, however there is a limit to the variation allowed.
  
  
• Self-employed workers with no employees cannot enroll in a group plan, however they can deduct up to 100% of premiums paid on an individual plan on their taxes.

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