SMALL GROUP HEALTH INSURANCE 

 

     I specialize in helping small-group employers who have from 1-50 employees in Oregon.   I currently work with Moda, Regence, and Kaiser Permanente.   

 

Some basics to offering a small group medical plan in Oregon

 

1.  Participation requirements:
      You need at least 75% of your 'eligible', full-time employees to participate in your group plan.  They don't count employees 'waiving' coverage to a spouse, who have VA or OHP, or other group coverage.  An employer is considered an employee for this count.   

You also need one employee to be a non-family member.   This rule is not flexible.

  

2.   Employer contribution requirements:   

   As the employer you must pay at least 50% of the employee-only premium.  You do not need to offer benefits to dependents.  This would be called an employee-only contract.  Sometimes this is in their best interest so that your employees dependents can buy coverage through the Marketplace.

Let me illustrate when an employee-only plan make sense:   

    Let's say your employee John is married with a wife and 2 kids.   You pay 75% of his health benefits, but do not offer coverage to dependents.  In this case John's wife and kids can purchase coverage through Healthcare.gov and maybe qualify for a tax credit.  However, if you offer coverage to the dependents, even if it's not affordable for him, it disqualifies them from a tax credit to help pay premiums.  This is a  bad glitch in the Affordable Care Act law.  

WHAT DO GROUP HEALTH PLANS COST? 

     Group Health insurance is largely calculated based on the  average ages of the employees enrolling on the plan, not the number of employees enrolling.    Currently the groups I've been quoting have premiums from $800-$1300 per employee, depending on what you plan you offer.

    

REQUEST A QUOTE: 

 To offer you an accurate quote I need to email you a Census form with a little info on your company and the employees you plan to enroll.   

Please email danneils@gmail.com to request a quote or call Dan at 503-740-0535

 

 

 

 

 

 

 

 

 page updated 6/11/2026

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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