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Pennsylvania Small Business Health Insurance

Traditionally, Pennsylvania has been viewed as a historical hotbed. Both the Declaration of Independence and the Constitution were drawn up here. Following in the footsteps of those innovators and politicians, modern small businesses are forging their own way to independence. Their struggles to compete against big-scale corporate businesses have culminated in the debate over one particular component of business success: maintaining employee loyalty by offering health insurance.

Small businesses in Pennsylvania are leading the country in their benefit offerings, with 54.4% of small employers offering health insurance in 2003. The state is helping those companies that still cannot afford health insurance. The advent of HSAs allow small business owners to lower their premium costs while offering employees more control of where their insurance money goes. In addition, insurance carriers are hard at work providing small employers decent health insurance options, in accordance with the state's insurance regulations.

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Featured Pennsylvania Small Business Health Insurance Providers

• Aetna
  
  

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

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

Pennsylvania’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. Carriers may require that a certain percentage of employees be enrolled in the plan, or that the employer contribute a pre-determined amount to the plan on behalf of his employees.
  
  
• Carriers covering small businesses can vary group premiums due to health status, unless the small employer buys coverage from a Blue Cross and Blue Shield Plan. In this case, rates can only vary due to age, gender or other demographic characteristics.
  
  
• The self-employed worker cannot enroll in a group plan. With an individual policy, however, they can deduct the cost of their premiums on their federal return.

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