As an Employer, Who Do I Have to Offer Coverage to?

If you're an employer offering a small business health insurance plan, you will need to offer coverage to all of your qualified employees. A qualified employee is a W-2 employee that works at least 30 hours per week. You cannot offer coverage to just some qualified employees and not others. 

You may also offer coverage to 1099 employees, but it is not required. A 1099 employee is an independent contractor that does not have taxes automatically withheld from their paycheck. If you offer coverage to one 1099 employee, you must offer coverage to all 1099s.

Note: In order to be eligible for a small business health insurance plan, you are also required to contribute at least 50% towards your employees' premiums. You may choose to contribute a percentage to your employees' dependents as well, but it is not required.

If you have any questions about this, please submit a request to our customer care team at the link below:

https://support.simplyinsured.com/hc/en-us/requests/new