Georgia Small Business Health Insurance

There are different health insurance laws in Georgia regarding small businesses or the self-employed than in most states. Often these types of health insurance policies are easier to qualify for than an individual health insurance policy, especially if you are not in the best of health.

This guide:

  • Describes small business health insurance laws in Georgia

  • Briefly explains self-employed Georgia health insurance

  • Alerts you to a beneficial tax deduction

We also have a guide to Georgia health insurance for families and individuals.

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Georgia small business health insurance regulations

Georgia health insurance companies must sell small group health insurance to any small business that qualifies. Also, small businesses of more than 2 but less the 50 must be offered the same Georgia small business health insurance policies that are sold to other small businesses.

If you qualify, your company must also meet minimum participation requirements set by your Georgia health insurance company. Unless you meet the minimum level of participation your Georgia health insurance company requires, your policy can be terminated.

You should be aware that it is legal for Georgia health insurance companies to charge higher premiums for an Georgia small business health insurance policy due to the group's health status. However, there are limits to how much policy prices can vary based on these health factors.

As with individual health insurance, illness can not be used as grounds for terminating Georgia small business health insurance.

Self-employed Georgia health insurance regulations

States have different rules for dealing with health insurance for the self-employed. In Georgia, the owner of a small business may be able to purchase a Georgia small business health insurance policy, even if there are no other employees.

Since eligibility depends upon your specific circumstances, it's best to consult either the Georgia Department of Insurance or your Georgia health insurance company to see if you qualify.

ince you may have a choice between buying a Georgia small business health insurance policy or an individual Georgia health insurance policy, you'll have to weigh the advantages of both to decide what is best for you.

If you choose the former, the protections and advantages of having small business health insurance is guaranteed to you. If you choose the latter, a large part of your premiums can be deducted from your taxes.

More GA small business health insurance help

If you want more help getting the a good health insurance policy, read our guide to small business health insurance.

To find out more about GA group health insurance laws and regulations, visit the official website of the Georgia Insurance and Safety Fire Commissioner.

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