Business Owners: Small & Large Employer

General

Health Insurance

  • Do we represent Medicaid or CHIP(Children’s Health Insurance Program)?

    Medicaid and Chip are low-cost health coverage provided by the government to low-income children and families. Insurance agents cannot work with CHIP or Medicaid. If you think you may be eligible for these plans please follow this link:

  • What is an Obamacare plan?

    Obamacare is not an insurance plan or company. It is the slang term used in reference to the Affordable Care Act (ACA)- which defines a set of standards for insurance coverage. “Obamacare” plans can be purchased at healthcare.gov. You can follow this link to view quotes:

  • Does it cost money to work with a health insurance agent?

    No, it does not cost you any money. Health insurance agents are paid by commissions directly from the insurance companies.

  • When can my employees sign up for coverage?

    Employees will be eligible to sign up during a designated open enrollment period. This is typically around the anniversary of when the company signed up for coverage. Employees can also sign up if they are eligible for a Special Enrollment Period.

  • When can I sign up my company up for benefits?

    A group/company can sign up for insurance benefits at any point in the year.

  • How many of my employees must enroll?

    A company must have a least 2 full-time W-2 employees in order to offer benefits. At least 1 of those employees has to enroll in the plan.

  • Do I have to provide coverage for my employees?

    Small companies, with under 50 employees, are not required to provide health insurance coverage. If your company has more than 50 full-time W-2 employees, you must have a health insurance plan available to your employees.

Individuals / Families

  • Do we represent Medicaid or CHIP(Children’s Health Insurance Program)?

    Medicaid and Chip are low-cost health coverage provided by the government to low-income children and families. Insurance agents cannot work with CHIP or Medicaid. If you think you may be eligible for these plans please follow this link:

  • What is an Obamacare plan?

    Obamacare is not an insurance plan or company. It is the slang term used in reference to the Affordable Care Act (ACA)- which defines a set of standards for insurance coverage. “Obamacare” plans can be purchased at healthcare.gov. You can follow this link to view quotes:

  • Does it cost money to work with a health insurance agent?

    No, it does not cost you any money. Health insurance agents are paid by commissions directly from the insurance companies.