Find a broker or agent
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Quick Overview
- Learn about how brokers and agents work.
- Ask for referrals from sources you trust.
- Be sure to understand any fees you may be charged in addition to the health insurance premium.
Healthcare
Cost-sharing options
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Decide how costs will be shared. Here are some items to consider:
- How much will employees contribute toward the premium?
- How much will employees have to pay for copayments or co-insurance?
Choice of providers
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Quick Overview
Decide how important choice of providers is to you and your employees.
Understand coverage
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Quick Overview
- Decide what type of coverage you want to provide, such as HMO, PPO, or HSA.
- Understand coverage rules and options.
Draft a budget
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- Calculate the total amount you can spend.
- Calculate per-employee cost you’re willing to spend.
- Consider cash flow issues.
Choose a date
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Choose a date at least 30 to 60 days from when you start the process for coverage to begin.
Small Group Health Coverage Checklist
Here are the essential tasks associated with shopping for and purchasing health insurance for your small business. Use this checklist to keep track of where you are in the process. For additional help navigating your options or enrolling in a plan, consider contacting a broker near you who can help you consider the best plan for your business.
Get organized
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Organize information about your business.
- Basic information such as the type of business, when the business started, etc.
- Quarterly salary and wages for last two quarters.
- Employee census information on all W2 salary employees and owners.
- Use standard forms from agent/broker/insurer or visit www.HealthCoverageGuide.org to download the Employee Census Data form.
Preguntas que hacer
Los planes de salud son complejos. A menudo se cargan con tantos detalles que puede ser muy difícil concentrarse en los problemas que son más importantes para usted como propietario de una pequeña empresa. En términos muy generales, las principales consideraciones que debe tener se reducen a los beneficios, el costo y la elección del plan. Recuerde estos tres temas principales al evaluar y comparar planes.
Avanzando un paso más, asegúrese de responder las siguientes preguntas al considerar un plan:
Questions to Ask
Health plans are complex. They’re often loaded with so many details that it can be very difficult to focus on the issues that are most important for you as a small business owner. Very generally speaking, the main considerations to worry about boil down to the plan’s benefits, cost and choice. Remember these three main issues when evaluating and comparing plans.
Taking it a step further, be sure to answer the following questions when considering a plan:
