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Small Groups

Do you offer Health Insurance now?



Send your employees to the Exchange Marketplace.


[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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I have relied on Maureen Hedges to help our small business set up a health insurance plan for our employees. She is knowledgeable, professional and is always willing to answer any questions that I or my employees have.
Lynn Kelley
Bricknet Information Technologies