Group Health Insurance

For an employer of 100 or fewer employees you may want to search the exchanges for coverage for your company.

If you do and the numbers are right (number of FTE and Average Wages) you could be eligible for a tax credit. 

You can offer coverage in one of several ways by using the exchange. This gives the small employer much more flexibility in plan offerings to employees - The Employees have more say in their own benefits. 

One Plan of coverage only (Company Z - Bronze Level)

One Level of Coverage among several Companies (Silver Level - several companies to choose) 

One Company all Levels of Coverage (Company X - Gold/Silver/Bronze levels) 

Many Companies with many Levels of Coverage (All Companies - All Levels

You set up the Business Profile first, demographics, employer contribution levels, etc. - then provide a link for your employees to select coverage.

Small Business - health care law information - Information you need to know 

Many insurance companies offer a link to the exchange from their websites - But Why do it that way when you can go straight to the exchange yourself and see the rates from all of the companies side by side. Going to a company website is not going to give you that possiblity to see all the rates.

There are Medaled tiers of Coverage:

Platinum / Gold / Silver / Bronze / Catastrophic

When you enroll be sure to tell them that Greg Giles sent you and provide them with my Producer Number

HealthCare.gov - (Oregon, Iowa, Nebraska)  Greg Giles  6247427   (Select the Small Business Tab) 

Washington Exchange - (Washington)  Greg Giles  263180 

California Exchange - (California)  Greg Giles  OI99792 

Information about the plans of coverage

Metalic Plans of Coverage benefits % - % you Pay and % plan pays with each level of coverage 

Provider Network Definitions - EPO HMO POS PPO 

Make sure your doctor takes the plan you are thinking of enrolling in BEFORE you enroll - Call your doctor and ask 

FTE Equivalent Calculator - helps determine if you can use SHOP on the Federal Site 

Small Business Tax Credit Calculator - Will you qualify for the tax credit?