Monday, May 21, 2012

Do We Have To Incorporate Our Small Business To Offer Medical Insurance?

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Thursday, October 29, 2009, 6:49
This news item was posted in Medical Information category and has 3 Comments so far.

We have a small business and I want to get health insurance through our business but someone told me I have to incorporate in order to offer/get health insurance. We only have one employee but I would like to list myself as an employee. Were in Callifornia. Anyone know all the rules? Thanks

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3 Responses to “Do We Have To Incorporate Our Small Business To Offer Medical Insurance?”

  1. mbrcatz said on Thursday, October 29, 2009, 11:51

    Not true.
    A local agent will know the rules – in most states, two people working there, the employer has to pay at least 50% of the cost, AND, the plan will be individually underwritten, based on the health and age of the two employees. You have to actually be ON THE PAYROLL to be listed as an employee.
    At least 50% of the employees must be on the plan.
    The insurance company is NOT required to give you a policy – so if your health is so bad you can’t get a private policy, you won’t be able to find someone to give you a group policy, either.
    Go talk to a local agent. Find one at http://www.iiaa.org

  2. Semitek Industries said on Thursday, October 29, 2009, 15:04

    Yes, you will need to incorporate your business.
    In fact, you should be incorporated already, even if you do not want insurance. Incorporating your business helps to protect your personal finances and it also helps you comply with Federal Tax laws.
    Please take a look at the following government websites. They are a great resource when it comes to incorporating yourself.http://www.irs.gov/businesses/small/arti…
    http://www.cityofchicago.org and then click on the For Employers link found under the Business Title. There is then a link for a guide to starting a business. Even though you are in California, the guide that the city of Chicago has is a great resource.

  3. Joseph H said on Thursday, October 29, 2009, 20:48

    Using google to find as much related info as you can,you could try using answer engines such as yahoo answer or yedda.com to obtain some useful ideas.however,If you want some direct information,herehttp://www.HealthInsuranceFree.info
    is a nice one from my experience.

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