Utah Group Health Employee Insurance

Utah Group Health Insurance

Altura Benefits is unique. So is your business. That’s why we pride ourselves on not being just a broker for your group health insurance, but a genuine partner that can help your business find exactly the coverage it needs.

Our comprehensive and personal approach to employee benefits is what sets us apart from the competition. If you need help finding group insurance plans, creating payroll efficiencies, and digging through the compliance aspects of health insurance for employees, there’s no better partner than Altura!

We specialize in negotiating the very best rates and benefit designs for your specific business. Get a quote today to find out how much you can save!

Types of Group Health Insurance

Group health insurance comes in two main forms: large group and small group.

Large group insurance applies to businesses with 50 or more employees. These businesses are typically required to provide their employees insurance, and must adhere to strict guidelines when doing so. The offered health plan must provide essential benefits that cover at least 60% of their employees’ medical expenses. The employee must also be able to afford the plan, which means that the employee should not pay more than 9.86% of his/her household income towards the premium. Note: In some states, large group insurance only applies to business with 100 or more employees.

Small group insurance, by contrast, applies to businesses with 49 or fewer employees. For businesses of this size, providing employee health insurance is not required. However, we would heavily encourage it in order to maintain competitiveness and show employees that their needs outside of the workplace aren’t being overlooked.

Group health insurance is crucial for your employees. Not providing it means subjecting them to the reality of individual insurance, which offers less coverage at higher prices. In the most extreme cases, it could even mean your employees go without insurance entirely, which discourages them from going to the doctor for needed healthcare…

Offering group health as an employee benefit isn’t just the right thing to do. It also boosts productivity by keeping your employees happy and healthy!

Altura Benefits has relationships with all of the major health insurance carriers, which means you’re sure to get the best rates, whether you have 1 employee or 10,000.

How does Altura Benefits work?

Altura Benefits is your Utah group health insurance partner with a top-tier team and the relationships needed to find you the best prices on all of your group insurance needs.

We’ve been serving Utah business for over two decades. Our passion is helping make the experience of offering employee benefits easier.

Contact us today to find out how we can provide value to your business!

Frequently Asked Questions

  • Which health carriers do you work with?

    We work with all the major players like SelectHealth, BlueCross BlueShield, United Healthcare, Cigna, Aetna and many more.

  • What services are typically covered with group health insurance?

    Health insurance typically covers, or partially covers, regular health services such as doctor visits, surgeries, hospital visits, prescription medications, wellness care and medical devices. Things like cosmetic surgeries and elective procedures are not covered.

  • Am I required to offer health insurance to my employees?

    If you have 50 or more employees, you are required to offer employee health insurance. If you have 49 or fewer, you are not required by law to offer employee health insurance (although you should seriously consider it).

  • Is my business eligible for group health insurance?

    Any business with more than 1 employee is eligible for group health insurance.
    If you have any questions about your group insurance requirements or needs, don’t hesitate to reach out! Altura Benefits is here to simplify the process.