Ohio Small Business Health Insurance Market Guide

by Xiao Sun on September 8, 2016

Market Overview

The Ohio small business health insurance market comprises primarily of 4 major national carriers and one local carrier. Compared to some of the other states, carriers in Ohio offer fewer tiers of networks, with most carriers electing to only offer a full network to small businesses. This makes selecting a health insurance plan much easier for small businesses, with the primary decision coming down to which health insurance carrier to choose. Ohio’s market is pretty competitive, with competitive rates offered by most of the carriers.

Ohio Carriers at a Glance

Ohio Market Recommendations
We’ve summarized the different options into a high level set of recommendations. Aetna and Anthem are currently the two most cost competitive carriers in the market, and both offer access to broad PPO networks.

Exact rates for each carrier can be accessed instantly online as well – click to see quotes in your area.

Ohio Market Recommendations


Ohio Health Insurance Carrier Overview

Aetna

Aetna is a national carrier offering medical, dental, and vision coverage. Aetna offers several networks options, including PPO and POS networks, and allows companies can mix and match up to 5 different plans to offer employees. Aetna’s full PPO and HMO networks are very broad and includes a large number of hospitals and doctors.

Aetna plans are currently among the most competitive for small businesses, and are a very good value for companies looking for cost savings and access to broad networks. See Aetna Plans & Rates

Network Overview

Aetna Ohio Network Overview

  • Open Choice PPO: Aetna’s largest network in Ohio, with access to expansive network of doctors and hospitals. Offers nationwide coverage through Aetna’s national network.
  • HealthNetwork Option (HNOption): HNOption is a point-of-service plan that encourages but does not require the use of a primary care physician. While a very broad network, it is smaller compared to the full PPO and only represents a small cost savings.
  • Savings Plus of Ohio: Savings Plus is a narrow network comprised of medical providers with lower negotiated costs to Aetna, and only available to companies in the greater Cleveland and Cincinnati region. Plans are ~16% less expensive than the full network.

 Anthem Blue Cross

Anthem Blue Cross Blue Cross is a part of Wellpoint and offers medical, dental, and vision coverage. Anthem plans offer access to a very strong statewide network, and national coverage through the BCBS BlueCard network. Anthem only offers a single PPO network in Ohio.

Anthem plans are currently among the most competitive for small businesses, and are a very good value for companies looking for cost savings and access to broad networks. See Anthem Blue Cross Plans & Rates

Network Overview

Anthem Blue Cross Ohio Network Overview

  • Blue Access: Blue Access is Anthem’s PPO network for small businesses, and is a very broad Ohio network. Plans on Blue Access includes access to the national BlueCard network.

Humana

Humana is a national carrier and offers medical, dental, and vision coverage in Ohio. Humana only offers a single PPO network in Ohio. While expansive, Humana’s PPO network is smaller compared to the PPO networks on other carriers.

Humana is very small business friendly, and covers many classes of small businesses that other insurance carriers do not, such owner-only companies and husband/wife-only companies. However, Humana plans are among the most expensive options for small businesses in Ohio. See Humana Plans & Rates

Network Overview

Humana Ohio Network Overview

  • ChoiceCare PPO: Full PPO network with access to a large doctor network and nationwide coverage on Humana’s national network.

Medical Mutual

Medical Mutual is a regional carrier that offers medical coverage primarily in Ohio. Medical Mutual small business plans utilize the SuperMed PPO network. The SuperMed PPO network is an expansive Ohio network, and includes access to a large population of doctors and hospitals.

Medical Mutual plans are pretty competitive in Ohio, though are more expensive than comparable plans offered by national carriers. See Medical Mutual Plans & Rates

Network Overview

Medical Mutual Ohio Network Overview

  • SuperMed PPO: Small business PPO network with access to large number of doctors and hospitals. Plans on SuperMed PPO have access to a national doctor network through a partner network (MultiPlan)

UnitedHealthcare

United Healthcare is the largest carrier in the country, and offers medical, dental, and vision coverage in Ohio. United Healthcare PPO plans provide access to the nationwide United Healthcare network. United Healthcare offers several tiers of coverage including PPO. EPO, and HMO networks, thought focuses primarily on the PPO network.

United plans are competitive, but more expensive than the comparable plans offered by the other national carriers. See United Healthcare Plans & Rates

Network Overview

United Healthcare Ohio Network Overview

  • Choice Plus PPO: Full PPO network with access to one of the largest network of doctors and hospitals in Ohio and nationwide coverage through United Healthcare’s national network.
  • Navigate Plus EPO: The Navigate Plus EPO network utilizes the same network as the Navgiate HMO, with the primary advantage of not requiring a primary care physician referral for specialisit visits. Navigate Plus EPO plans are 8% less expensive than the full PPO, though only silver and gold plans are available.
  • Navigate HMO: Large HMO network with 5088of the doctors and 87% of the hospitals of the PPO network. One of the only HMO networks available to small businesses in Ohio, and plans are ~15% less expensive than the full PPO.

{ 0 comments }

Market Overview

In Virginia, small businesses can choose from multiple health insurance options: carriers, tiered doctor networks, government exchange vs private market plans, etc. The large number of options in the Virginia market can make looking for the right health insurance plan intimidating. Our guide to the Virginia market provides a cheatsheet to the best options available to a small business. Fortunately for small businesses, most insurance carriers offer very broad networks with access to nearly all of the hospitals and doctors in the state, so small businesses have very high quality options to choose from.

Virginia Carriers at a Glance

Virginia Market Recommendations
We’ve summarized the various options into a high level set of recommendations, factoring in the options of small business health insurance carriers, networks, and plans available in Virginia. For businesses looking for a broad PPO network, Aetna and United Healthcare currently offer the best values in the market. For companies looking for the lowest cost plans possible, most carriers offer very affordable HMO plans with smaller networks but lower premiums.

Exact rates for each carrier can be accessed instantly online as well – click to see quotes in your area.

Virginia Market Recommendations


Virginia Health Insurance Carrier Overview

Aetna

Aetna is a national carrier offering medical, dental, and vision coverage. Aetna several networks including PPO and HMO networks options, and allows companies can mix and match up to 5 different plans to offer employees.

Aetna’s full PPO and HMO networks are very broad and includes a large number of hospitals and doctors. Aetna currently offers some of the most competitive rates on small business plans, and is one of the best value options available. See Aetna Plans & Rates

Network Overview

Aetna Virginia Network Overview

  • Open Choice PPO: Aetna’s largest network in Virginia, with access to expansive network of doctors and hospitals. Offers nationwide coverage through Aetna’s national network.
  • HealthNetwork Only (HNOnly): Statewide HMO network with a fairly broad network of doctors and hospitals. While a HMO network, HNOnly plans does not require members to select a primary care physician and can utilize specialists without a referral. Plans are ~10% less expensive than the full network.
  • HMO: The traditional HMO network utilizes the same doctor network as HNOnly. The HMO network does require members to select a primary care physician and obtain a PCP referral to utilize a specialist. Plans are ~12% less expensive than the full network.

 Anthem Blue Cross

Anthem Blue Cross Blue Cross is a part of Wellpoint and offers medical, dental, and vision coverage. Anthem’s service area is limited to companies in the western part of Virginia, specifically west of State Route 123.

Anthem plans offer access to a very strong statewide network, and national coverage through the BCBS BlueCard network. Anthem small business plans are competitive but more expensive than similar plans on other carriers. See Anthem Blue Cross Plans & Rates

Network Overview

Anthem Blue Cross Virginia Network Overview

  • PPO Network: Full PPO network with access to one of the largest network in Virginia, and nationwide coverage through the BlueCard network. One of the best doctor networks available to small businesses.
  • HealthKeepers Open Access: The Anthem HealthKeepers point of service network is nearly the same size of the full PPO network, and costs 2% less. HealthKeeper point of service plans require members to select a primary care physician, but referrals are not required to see a specialist.
  • HealthKeepers: The Anthem HealthKeepers standard point of service network costs 5% less, and also requires members to get a primary care physician referral to see a specialist.

CareFirst BCBS

CareFirst BlueCross Blue Shield serves the northern Virginia / mid-Atlantic region, and offers medical, dental, and vision coverage. CareFirst offers several networks and multiple types of plans within each network. PPO plans provide national coverage through the Blue Cross Blue Shield BlueCard network. Companies can choose to multiple offer multiple plans.

See CareFirst BCBS Plans & Rates

Network Overview

CareFirst BCBS Virginia Network Overview

  • BluePreferred PPO: Full PPO network with access to a very large network within the mid-Atlantic region. When traveling outside of the mid-Atlantic region and nationally, in-network coverage is provided through the national BlueCard network.
  • HealthyBlue: HealthBlue offers both PPO and HMO plan options on the same network. Similar to the BluePreferred network, when traveling outside of the mid-Atlantic region and nationally, in-network coverage is provided through the national BlueCard network. Plans are 10% less expensive compared to the full network. HealthyBlue plans also encourage use of primary care providers and incentives for completing a wellness program.
  • BlueChoice: The Blue Choice HMO network utilizes the same network as the overall network, but requires the use of a primary care physician and does not provide out of network coverage. When traveling out of state, only emergency care is covered in-network.

Kaiser Permanente

Kaiser Permanente is non-profit HMO carrier that offers medical coverage in the Virginia, Maryland, and Washington DC area. Kaiser is unique in that it both provides health insurance coverage and medical services through its own network of doctors and hospitals. Kaiser plans are only available to companies located in the Fairfax / mid-Atlantic region of Virginia.

Kaiser primarily offers HMO plans, and plans on the Signature network can only utilize Kaiser facilities. Out of state employees have the option of enrolling on a PPO plan with access to the Private Healthcare Systems network. Kaiser plans are also available through the Covered California SHOP exchange. See Kaiser Permanente Plans & Rates

Network Overview

Kaiser Permanente Virginia Network Overview

  • Select HMO Network: The Kaiser Select network is the widest network available, giving access to both the Kaiser Permanente network of physicians as well as community physicians outside of the Kaiser network.
  • Signature HMO Network: The Signature HMO network includes Kaiser’s mid-Atlantic footprint, which consists of ~1200 physicians and ~38 hospital locations.

UnitedHealthcare

United Healthcare is the largest carrier in the country, and offers medical, dental, and vision coverage in Virginia. United Healthcare PPO plans provide access to the nationwide United Healthcare network. United Healthcare offers several tiers of networks, including PPO, EPO, and HMO options, and allows any number of plans to be offered.

United Healthcare plans are among the most competitive in the small business market, and offers very good value to small businesses. See United Healthcare Plans & Rates

Network Overview
United Healthcare Virginia Network Overview

  • Choice Plus PPO: Full PPO network with access to one of the largest network of doctors and hospitals in Virginia and nationwide coverage through United Healthcare’s national network.
  • Choice EPO: The Choice EPO network uses the same network as the Choice Plus network, but does not include out-of-network coverage. Choice EPO plans are ~3% less expensive than the full PPO version.
  • OCI HMO: Narrow network PPO with 85% of the doctors in the full network. Core PPOs have access to coverage nationally as well. Core PPO plans are ~16% less expensive than the full PPO version.
  • Core Essential HMO: Narrow network PPO with 85% of the doctors in the full network. Core PPOs have access to coverage nationally as well. Core PPO plans are ~16% less expensive than the full PPO version.
  • Navigate HMO: Fairly large HMO network with 50% of the doctors and 70% of the hospitals of the PPO network. One of the largest HMO networks in Virginia, and plans are ~23% less expensive than the full PPO.

{ 0 comments }

Market Overview

The Illinois small business health insurance market is a competitive and complex insurance market. For a small business, there are many health insurance options to choose from – multiple carriers, tiered doctor networks, government exchange vs private market plans, etc. The large number of options in the Illinois market can make looking for the right health insurance plan intimidating, but can also provide substantial savings opportunities by narrowing in on the most appropriate plan for specific needs.Illinois Health Insurance Carriers at a Glance

Illinois Market Recommendations
We’ve summarized the various options into a high level set of recommendations, factoring in the options of small business health insurance carriers, networks, and plans available in Illinois.

Exact rates for each carrier can be accessed instantly online as well – click to see quotes in your area.

Illinois Market Recommendations


Texas Health Insurance Carrier Overview

Aetna

Aetna is a national carrier offering medical, dental, and vision coverage. Aetna offers two main types of networks; (1) statewide PPO and HMO networks and (2) two regional networks called Savings Plus and Aetna Whole Health. Companies can mix and match up to 5 different plans to offer employees.

Aetna’s full PPO and HMO networks are very broad and includes a large number of hospitals and doctors, but also tend to be among the more expensive options in the market. See Aetna Plans & Rates

Network Overview

Aetna Illinois Network Overview

  • Open Choice PPO: Aetna’s largest network in Illinois, with access to expansive network of doctors and hospitals. Offers nationwide coverage through Aetna’s national network.
  • Savings Plus of Chicago PPO: Narrow PPO network comprised of medical providers with lower negotiated costs to Aetna. Plans are ~9% less expensive than the full network, and primarily includes medical providers in the greater Chicago area. Savings Plus plans can only be selected by companies located in the greater Chicago metro area.
  • HMO: Statewide HMO network with fairly large network of doctors and hospitals, and substantially less expensive compared to full PPO network.
  • Savings Plus of Chicago HMO: Similar to the Savings Plus PPO, the Savings Plus HMO network is about 20% smaller. Plans are also less expensive at ~22% less expensive than the full network. Savings Plus plans can only be selected by companies located in the greater Chicago metro area.
  • Aetna Whole Health HMO: Smallest HMO network available, and limited to companies located in the greater Chicago metro area. The plans are 28% less expensive than the full network.

 BCBS TX

Blue Cross and Blue Shield of Illinois is part of the Health Care Service Corporation, and is a regional network of Blue Cross Blue Shield plans, offering medical and dental coverage. BCBS IL offers several networks, including lower cost narrow networks specific to the Chicago metro. Companies can choose to offer up to 6 plans, 3 PPO plans and 3 HMO plans. PPO plans provide national coverage through the Blue Cross Blue Shield BlueCard network. BCBS IL rates are among the most competitive in most areas of Illinois. See BCBS Illinois Plans & Rates

Network Overview

BCBS IL Illinois Network Overview

  • PPO Network: Full PPO network with access to the largest network in Illinois, and nationwide coverage through the BlueCard network. One of the best doctor networks available to small businesses.
  • Blue Options: The Blue Options network is a tiered PPO network available to companies located in greater Chicago metro. Blue Options separates in-network doctors into a preferred and non-preferred tier, with lower copays and deductibles for the preferred tiered. Blue Options plans are ~20% less expensive than the full network.
  • Blue Precision HMO: Full HMO with about 30% of the network size of the full PPO network. Blue Precision HMO plans are typically 23% less expensive than the full PPO network, but typically isn’t a better value compared to the narrow network PPO plans.
  • Blue Choice Preferred PPO: The Blue Choice Preferred PPO network is a narrow network available to companies in the greater Chicago area, and is 24% less expensive than the full network. The plan has a strong network in the Chicago metro, but has a smaller network for the rest of the state.
  • BlueCare Direct HMO: A narrow network HMO plan that utilizes the Advocate Health Care’s system of doctors and hospitals. The plan is available to companies in the Chicago metro, and is significantly less expensive than the full network plans.

Humana

Humana offers a variety of medical, dental, and vision coverage. Humana offers two networks in Illinois, a full PPO and a point-of-service network. Humana’s full PPO plans have an expansive network of doctors and hospitals.

Humana is also very small business friendly, and covers many classes of small businesses that other insurance carriers do not, such owner-only companies and husband/wife-only companies. See Humana Plans & Rates

Network Overview

Humana Illinois Network Overview

  • ChoiceCare PPO: Full PPO network with access to a very large Illinois doctor network and nationwide coverage on Humana’s national network.
  • NPOS – Open Access: Similar to the ChoiceCare PPO network in breadth, however the NPOS plan separates physicians into preferred vs non-preferred tiers. Going to physicians in the preferred tier will result in lower bills than a physician on the non-preferred tier. Plans on this network are ~6% less expensive than the full network.

UnitedHealthcare

United Healthcare is the largest carrier in the country, and offers medical, dental, and vision coverage in Illinois. United Healthcare PPO plans provide access to the nationwide United Healthcare network. United Healthcare offers two tiers of PPO networks and a HMO network, and allows any number of plans to be offered. See United Healthcare Plans & Rates

Network Overview

United Healthcare Illinois Network Overview

  • Choice Plus PPO: Full PPO network with access to one of the largest network of doctors and hospitals in Illinois and nationwide coverage through United Healthcare’s national network.
  • Core PPO: Narrow network PPO with 85% of the doctors in the full network. Core PPOs have access to coverage nationally as well. Core PPO plans are ~16% less expensive than the full PPO version.
  • Navigate HMO: Fairly large HMO network with 50% of the doctors and 70% of the hospitals of the PPO network. One of the largest HMO networks in Illinois, and plans are ~23% less expensive than the full PPO.

{ 0 comments }

Market Overview

The New York small business health insurance market is a complex one. The New York market is split geographically into several regions, with certain insurance carriers only participating in certain parts of the state (such as upstate vs downstate). For a small business, knowing which insurance carriers offer coverage in the local region is key to finding the right health insurance plan.

New York Carriers at a Glance

New York Market Recommendations
Getting a small business health insurance plan in New York can be a difficult decision given the multitude of options among carriers, networks, and plans. We’ve summarized the various options into a high level set of recommendations.

Exact rates for each carrier can be accessed instantly online as well – click to see quotes in your area.
New York Recommendations


New York Health Insurance Carrier Overview

Aetna

Aetna is a national carrier offering medical, dental, and vision coverage. Aetna offers plans throughout the entire state, with some narrow network plans available specifically to the New York City area.

Aetna offers two main types of networks in New York; (1) a statewide EPO networks and (2) New York City specific networks. Aetna does not offer a PPO network with out-of-network coverage in New York. Companies can offer any number to employees, so plans from different networks can be offered together. See Aetna Plans & Rates

Network Overview

Aetna New York Network Overview

  • Elect Choice Open Access: Aetna’s largest network in New York, with access to expansive network of doctors and hospitals. Offers nationwide coverage through Aetna’s national network. One of the largest networks available to small businesses in New York.
  • Savings Plus of New York: Narrow EPO network comprised of medical providers with lower negotiated costs to Aetna. Plans are ~9% less expensive than the full network, but also is more restrictive as the plans are only available to employers located southeast New York and NYC.
  • NYC Community Plan: Only available to employers located in one of the five boroughs of NYC (Manhattan, Bronx, Queens, Staten Island, and Brooklyn. The NYC Community Plan network is limited primarily to providers in the greater NYC area, but offers very high coverage in return, with no deductible, very low copays, and very low out of pocket maximum. Only a platinum tier option is available, so while the NYC Community Plan is 20% less expensive compared to the full network plan, the plan cost is fairly high.

 CareConnect

CareConnect is a regional insurance carrier, formerly known as North Shore-LIJ. The CareConnect network is much more regional, primarily focused on the NYC metro area and Long Island. CareConnect has one primary network for small businesses, with an option to upgrade to access to a national network through a partnership.

CareConnect is among the lowest cost carriers in the NYC metro, given its smaller network footprint.  See CareConnect Plans & Rates

Network Overview

CareConnect Network Overview2

  • Access Network: CareConnect’s Access network includes national coverage through MultiPlan, a partner’s national network. Plans on the Access Network are more expensive than only offering the NYC-only Value Network, but lower cost compared to similar plans with national networks on other carriers.
  • Value Network: The Value Network is CareConnect’s standard network for small businesses, and among the lowest cost plans available to small businesses. Businesses have access to a strong network within the NYC Metro, but don’t have access to a national network. Value Network plans are 26% less expensive compared to plans on the Access Network.

Crystal Run

Crystal Run is a regional carrier primarily located in Orange and Sullivan Counties in the Mid-Hudson Valley region. Crystal Run primarily operates a HMO network that includes providers in the Crystal Run Health System. EPO plans were previously available, and provided coverage outside of the Core network through partners (statewide New York coverage through MagnaCare and nationwide coverage through FirstHealth).

Given the smaller network footprint, Crystal Run plans are among the least expensive plans available in Orange and Sullivan counties.

Network Overview

Crystal Run Network Overview


EmblemHealth

EmblemHealth is a regional carrier offering medical and dental coverage primarily in the southeast New York area. The coverage map includes 28 counties, from NYC up to certain counties in upstate New York.

EmblemHealth offers 4 HMO plans on its Select Care network to small businesses. EmblemHealth plans are designed primarily to serve the NYC metro area, with access to in-network facilities and doctors only. Coverage on EmblemHealth plans does not include statewide or nationwide coverage, except for emergency care. .

Network Overview

EmblemHealth Network Overview


EmpireBCBS

Empire Blue Cross Blue Shield is a regional network of Blue Cross Blue Shield plans, offering medical and dental coverage. Empire BCBS serves 28 southeastern and eastern counties of New York. Plans offer statewide coverage on Empire’s Pathway network and national coverage through the Blue Cross Blue Shield BlueCard network.

Network Overview

Empire BCBS Network Overview

  • Pathway EPO/HMO: Empire BCBS only utilizes one network for all small business plans, the Pathway network. Both the HMO and EPO plans require members to select a Primary Care Physician, but only the HMO plans require a PCP referral to see a specialist.

Excellus BCBS

Excellus Blue Cross Blue Shield is a regional network of Blue Cross Blue Shield plans, offering medical and dental coverage. Excellus BCBS serves counties in the Central, Rochester, and Utica region of New York. Plans offer statewide coverage on Excellus’s SimplyBlue Plus network and national coverage through the Blue Cross Blue Shield BlueCard network.

Network Overview

Excellus BCBS Network Overview

  • SimplyBlue Plus: Excellus BCBS only utilizes one network for all small business plans, the SimplyBlue Plus network. Plans on the SimplyBlue Plus PPO do not require a PCP or referrals, and includes out-of-network coverage.

MPV Healthcare

MVP Health Care provides coverage statewide, with the exception of the New York City metro and Long Island. MVP Healthcare primarily operates a EPO/PPO network that includes doctors and hospitals statewide, not as large as the statewide networks available through the larger national carriers.

Given the smaller network footprint, MVP Healthcare plans tend to be less expensive than the national carriers, but more expensive than other narrow network plans.

Network Overview

MVP Healthcare Network Overview

  • Liberty Network: MVP Healthcare’s Liberty network provides access to doctors statewide.

United Healthcare Oxford

United Healthcare Oxford is part of the United Healthcare, the largest carrier in the country, and offers medical, dental, and vision coverage in most of New York. Oxford plans are available in the NYC Metro and most of the southeast NY region. Oxford is one of the few carriers to provide a PPO plan with out of network access in NYC. Nationwide coverage is provided through United Healthcare’s Choice Plus network.

Oxford PPO plans tend to be more expensive than other carriers given the expansive doctor network, but are typically among the lower cost options for companies looking for higher coverage tiers and a wide network.  See Oxford Plans & Rates

Network Overview

United Healthcare Oxford Network Overview

  • Freedom: Freedom is the largest network available through Oxford, and one of the largest networks available to small businesses in New York. National coverage and coverage outside of NY is through United Healthcare’s Choice Plus network.
  • Liberty: Liberty is a narrower network compared to Freedom, but has a 80% overlap in doctors and the same coverage of hospitals as the Freedom network. However, plans are typically only 2% less expensive compared to the Freedom network, so there isn’t a substantial cost savings.
  • Metro: Metro is a narrow network available in the NYC metro area, with coverage in both the NYC metro and the NJ tri-state area. Plans on the Metro network includes nationwide coverage on the Choice Plus network when outside of the tri-state area. Metro plans are 14% less expensive compared to the Freedom network, so are a good value for small businesses.

UnitedHealthcare

United Healthcare offers plans in western New York under the UnitedHealthcare brand and through the Choice Plus network. United Healthcare PPO plans provide access to the nationwide United Healthcare network. See United Healthcare Plans & Rates

Network Overview

United Healthcare New York Network Overview

  • Choice Plus PPO: Full PPO network with access to one of the largest network of doctors and hospitals in Florida and nationwide coverage through United Healthcare’s national network.

{ 0 comments }

Florida Small Business Health Insurance Market Guide

August 17, 2016

Market Overview Small businesses in Florida can choose from many health insurance options – multiple carriers, tiered doctor networks, government exchange vs private market plans, etc. The large number of plans in the Florida market can make finding the right health insurance plan intimidating. SimplyInsured’s guide to the Florida market can help narrow the downs […]

Read the full article →

Texas Small Business Health Insurance Market Guide

August 17, 2016

Market Overview The Texas small business health insurance market offers small businesses to multiple options across carriers, tiered doctor networks, government exchange vs private market plans, etc. The large number of options in the market can make looking for the right health insurance plan intimidating, but can also provide substantial savings opportunities by narrowing in on […]

Read the full article →

California Small Business Health Insurance Market Guide

August 17, 2016

Market Overview The California small business health insurance market is one of the most competitive and complex insurance markets in the country. For a small business, there are many health insurance options to choose from – multiple carriers, tiered doctor networks, government exchange vs private market plans, etc. The large number of options in the […]

Read the full article →

Small Business Health Insurance 101

August 17, 2016

Introduction Getting health insurance for your company is an important decision for your company, both for yourself as a business owner and for your employees who will be covering themselves and their families. Making sure that you offer the most appropriate health insurance plan will ensure that your employees are properly covered without overspending on […]

Read the full article →

Bad Advice Costs Small Businesses $12 Billion In Higher Health Insurance Premiums

February 13, 2014

Last week, the National Small Business Association (NSBA) published the 2014 Small Business Health Care Survey. The survey of 780 small businesses illustrated the health insurance challenges they face today. Two findings in particular caught our attention: Surveyed companies spent $1121/month per employee on health insurance premiums 74% of businesses bought the insurance from a local […]

Read the full article →

SimplyInsured Gets Some LUV From Southwest Airlines

February 6, 2014

This month SimplyInsured is taking health insurance to the skies, with a feature in Southwest Airline’s Spirit Magazine. If you’re flying Southwest this month, check us out! (If you don’t have a flight coming up, you can also read the article online.) In honor of this occasion, we present 4 ways getting health insurance on […]

Read the full article →