Small Business Health Plans
Our solutions for small business health plans might suit your company and workers if your business has at least two full-time employees and less than 50. Between excellent cost savings and tax credit benefits, small employers and business owners can gain access to group health coverage that meets many or a few needs.
Unified Health Plan makes it easy to differentiate health benefit plans. Contact us for guidance regarding the enrollment process and get other helpful information. We’ll help you choose the right plan when you search with us.
Best Health Coverage for Small Businesses
Small business health plans offer the best healthcare for employees and their dependents. Group health coverage and individual contribution plans are top considerations for businesses wanting flexibility in benefit design or benefit structure.
Group Health Coverage vs. Individual Contribution Options
Group healthcare coverage allows an employer flexibility to offer each employee one or multiple plans. Employees choose from the health plans the company offers. There are no limits, but 50% premium contributions may provide a tax credit.
An Individual Contribution Health Reimbursement Arrangement (ICHRA) allows an employer to reimburse employees depending on the number of dependents they have. There are no minimum contribution limits for this option. Employees who qualify choose their specific plan, and the company pays the premium from their salary.
Who Qualifies for a Small Business Health Plan?
Those qualifying for small business health plans include any small business employer with less than 50 employees. Employees qualify regardless of age or other factors, such as pre-existing conditions.
Why Choose Us for Small Business Health Coverage?
When considering small business health plans for their business, employers have many reasons to choose Unified Health Plan for healthcare coverage for employees and dependents. Employers and their workers benefit from affordable plans, helpful experts, and excellent healthcare advantages.
Comprehensive Member Benefits
Unified Health Plan understands the importance of necessary coverage and offers comprehensive benefits to members and immediate relatives. It can include necessary treatments and preventive services, behavioral health, prescription drug programs, and 24/7 telemedicine. You and your family can stay healthy at all times.
Fitness and savings perks contribute to worker satisfaction with Unified Health Plan policies. Our plans include additional wellness services, like chronic disease management programs to improve overall health, and total expense coverage for labs and diabetic testing supplies. Only qualifying members receive these extra services.
Care Navigation Program
Some employer plans have additional services and benefits that apply to individual plans. Unified Health Plan offers several employer policies for small and large businesses with extra perks.
We understand the difficulty employers and workers face when selecting plans, understanding health plan inclusions, and getting further support. Care Navigators offer advice, help you schedule appointments, locate the most affordable providers, and assist with hospital discharge. We’ll also explain the policy’s perks so that employees and their dependants know what to expect regarding what it covers.
Smaller employers don’t always have the largest budget. Unified Health Plan works to keep premiums reasonable for smaller employers.
Frequently Asked Questions
Why do small businesses not offer health coverage?
In Kansas, many small businesses don’t offer healthcare coverage because of the high costs. This lack of insurance leaves workers to search for and purchase their healthcare coverage. With a group health benefits plan from Unified Health Plan, a small business owner can save significantly while meeting healthcare needs.
Can a business deduct medical expenses?
It may be possible for a business to deduct medical expenses. Full-time employees’ expenses must surpass 7.5% of the company’s annual gross income.
Businesses with such expenses can get deductions on their small business’s health coverage through state and federal entities. They benefit from 100% coverage if eligible for deductions.
Is business insurance required?
Small business health plans aren’t mandatory for businesses to provide. Because of this, many small business employers don’t offer their employees minimum essential coverage or check if they qualify. Instead, employees must enroll in standalone plans that are not employer-sponsored and spend full price on medical coverage and all necessary plan inclusions and extras.