Question 1

How many employees do I need to have in order to qualify for small group insurance?

Accepted Answer

Generally, you must have between 2 and 50 full-time equivalent employees, which is defined as one who is working 30 or more hours per week on average. Your part-time employees’ hours will contribute to the required full time equivalent. This could change depending on specific state regulations, so please contact one of our representatives to discuss this in further detail.

Question 2

Do you offer coverage in my area?

Accepted Answer

Visit Our Networks page to see if we cover your area.

Question 3

As a small business with fewer than 50 employees, am I required by law to offer health insurance?

Accepted Answer

No. Businesses with 50 or fewer full-time employees are not required to offer insurance. The government definition of a full-time employee is a person who works 30 or more hours a week. However, all your employees must have health insurance in 2015 or pay a maximum fine of $900 (depending on income).

Question 4

What is a network provider?

Accepted Answer

UnitedHealthcare has a large network of labs, physicians, medical groups, clinics and other health care providers. These providers have agreed to charge lower rates for UnitedHealthcare plan members. To save members from paying higher out-of-pocket costs, it is important to use an in-network lab or provider.

Question 5

How do members find out if their doctor is in-network for their plan?

Accepted Answer

To see if a provider is in network, employees can search the online provider directory.

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Frequently asked questions

How many employees do I need to have in order to qualify for small group insurance?

Do you offer coverage in my area?

As a small business with fewer than 50 employees, am I required by law to offer health insurance?

What is a network provider?

How do members find out if their doctor is in-network for their plan?

Learn more about small business health insurance

Let’s get started finding plans for your employees

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