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Public health insurance exchanges offer another way for small businesses to buy health insurance coverage.This is the Small Business Health Options Program – or SHOP.Aetna is offering SHOP plans on public exchanges in Delaware, the District of Columbia and Maryland.
If you decide to oversee the plan yourself, factor in how much time it would take you to manage the plan throughout the year and translate that into opportunity cost.
But according to People Keep, small businesses with fewer than 200 employees annually paid roughly ,480 per employee for single coverage premiums and ,616 per employee for family coverage premiums in 2017.
They spent another ,000 annually in plan administrative costs.
But with a single individual, that doesn't quite work so well--that's why, in most states, only groups of 2 or more are eligible for small group health insurance.
states do allow "groups of one" to quality for small business health insurance--which is especially useful if you have a chronic condition and might struggle to get affordable individual health insurance.