(207) 223-1233

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Small Groups

Do you offer Health Insurance now?

 

NO

Send your employees to the Exchange Marketplace.

   

YES
[and not in a pre-2010 grandfathered plan]

See next set of questions ...
 

Meet with your agent/broker to discuss:

How much do you contribute toward employee coverage?

______

Is that more than 90.5% of monthly wages?

How much do you contribute toward dependent coverage?

______

 

What are your employees paid?

 

Is this below 400% of [FPL] Federal Poverty Level?

Ask Health Benefits for credit/subsidy estimates for each employee.

 

Will you qualify for the Small Employer Tax Credit?

Will you purchase a SILVER plan in the Exchange/Marketplace?

Discuss this with your CPA and agent.

 

How many of your employees have dependent coverage?

______

Does the employee’s spouse have employer coverage?

Will that coverage continue in 2014?

If you terminate your group insurance will wages increase?

______

Will this increase be equal to your current insurance contribution?

 

The answers to these questions will assist your insurance agent/broker to suggest the best course of action for your business.

 

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We proudly serve companies in the following areas and beyond:

Just because your town is not listed, that does not mean we do not serve you area.  Feel free to call us (207) 223-1233 or Contact Us by e-mail.

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Our experience with Health Benefits is that of a knowledgeable, attentive and customer oriented organization which is proactive in serving its clients. An organization such as this is a rare find in this world of cold and impersonal business.
Alan S. Hicks
PPSA Overseas, Ltd.