Running a small business is hard, and navigating getting your employees health insurance can really be a hassle if you don’t have experience or a trusted advisor. With that in mind, we’ve crunched the numbers and come up with the best group health insurance plans for small businesses.
We want to make sure you have as many health insurance options as you can get, so you know the plan options, the health benefits, and how to provide your small business’s number of employees health care that will be good for them.
#1. UnitedHealth care
Why Get It: Coverage in all 50 states, largest health insurance provider in USA
When it comes to the best small business health insurance plans, no one is trusted more than UnitedHealth care–that’s why they’re the largest health insurance provider in the United States. They have coverage options in all 50 states, which makes them even more attractive if you’re a business that operates remotely but wants to have a single health insurance plan.
They have a national network of doctors and hospitals, making them one of the most accessible insurance organizations. On top of this, UnitedHealth care is moving hard into the digital realm with consultations over computers and mobile, lowering costs for the insured.
#2. Blue Cross and Blue Shield
Why Get It: Coverage specialized to your area through local health insurance agencies
Blue Cross and Blue Shield is an interesting one, because they work through 36 different local health insurance companies. This makes them more tied to specific geographic areas and leads to a more targeted view of business. Like United HealthcCare, Blue Cross and Blue Shield is available in all 50 states, and it is the most popular plan on this list: one in three Americans is covered under the Blue Cross and Blue Shield (BCBS) Association.
Why Get It: Specializes in small business healthcare
Humana is a very large health insurance company, and is on this list because they make a concerted effort to offer health insurance to small businesses. Some of the perks of Humana Small Business include in-network preventive care that is 100% covered by all Humana group plans. They also offer telehealth visits, and the Humana Pharmacy
Why Get It: High-deductible plans with tax advantaged savings options
Aetna is a long-standing pillar in the health insurance community, and they offer something very attractive to small business owners: high-deductible health insurance plans with tax-advantaged savings options.
Known especially for their good customer service–something that’s hard to find in an insurance company–their large provider network of more than 700,000 providers gives you access to every kind of care you need.
The downside is that Aetna is not available in every state, and you usually can’t get a quote without an Aetna sales rep walking you through the options.
Choose the best Small Business Health Insurance for you
If none of the above are the right fit, no worries, we have other options for small business health insurance. Now is the time to get to know plan options for your employees.