Individual v. Small Group

Health insurance protects three things: your finances, your health and your business. Health insurance offers two coverage options: small group and individual health plans.

Small group health plans are an employer sponsored health coverage, with costs usually being shared between the employer and the employees. An alternative to the individual and family plan, small group health plans have benefits that individual and family plans do not offer. Small group provides coverage for the employee as well as their family members. In a small group, individuals cannot be denied coverage due to medical history and there is no individual underwriting in small group coverage. Small group also offers special tax incentives to employers. The money paid towards the premiums qualifies as a business expense and is tax deductible. On the other hand small group health, individual plans can be tailor made to fit the needs of the individual. For small group plans it is the employer that decides which insurance carrier, and the employees choose a plan within that carriers options that best suits their needs.

There is no clear winner in the battle of individual v. small group. The choice in coverage depends on the needs of you and your employees and what is beneficial for all.


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