Small Employers

Frequently Asked Questions

Health coverage can be complex business, so you should be prepared to ask your agent or broker any and all questions which come to mind.  We can get you started with answers to the frequently asked questions outline below.

FAQs for Small Employer Health Coverage

• Do insurance companies have to sell insurance to my small firm?
  

• What are my options if I am self-employed?
  

• What tax advantages are available to our firm and our employees if we offer health coverage?
  

• What tax advantages are available to a self-employed individual who purchases insurance in the individual market?
  

• What types of insurance plans are available to my company?
  

• How much does employer-based health coverage cost?
  

• What is employee cost-sharing?
  

• What is provider choice?
  

• How much do plans vary with respect to the benefits they offer?
  

• What is the relationship between premiums, employee cost-sharing, and provider choice?
  

• What about purchasing insurance through a professional or trade association?
  

• What if an employee or dependent has a pre-existing medical condition?
  

• What can I do if group coverage is just not affordable for us?
  

• What is HIPAA?
  

• What is COBRA?
  

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Looking Out for Virginians

The Virginia Bureau of Insurance is Virginia's agency for regulating small employer health insurance plans.  You can reach the Bureau's website here or call the Bureau at 1-800-552-7945