Small business health insurance is a type of health insurance that is offered to businesses with 2-50 employees. In order to be eligible for a small group & business health insurance plan in Houston Texas, your business must have at least two full-time employees.
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There are a few things to keep in mind when choosing a small business health insurance plan:
1. Make sure the plan covers the essential health benefits: All small business plans must cover 10 essential health benefits, including hospitalization, prescription drugs, and maternity care.
2. Consider your budget: How much can you afford to spend on premiums? deductibles? copayments? Remember that the cheapest plan might not always be the best value.
3. Check the network: Make sure your doctor and other providers are in-network under the plan you're considering. Otherwise, you'll likely have to pay more out of pocket for their services.
4. Compare plans side-by-side: Use an online tool or work with a broker to compare plans from different insurers side-by-side. This will help you see which plan offers the best coverage at the best price for your needs.
5. Read the fine print: Make sure you understand exactly what is and isn't covered by the plan before enrolling. You can also talk to your employer about which plan they recommend, or you can contact a local insurance agent to get help finding a plan that's right for you.
