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small business health insurance va

Health insurance for your business and employees

Sole proprietor or self-employed?  Find out more about your coverage options.

Learn about HRAs

You now have more ways to contribute to your employees’ health care costs — with Health Reimbursement Arrangements (HRAs). Use this guide to help you compare coverage options, like HRAs and group health plans.  Find out what’s right for your business.

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Virginia Small Business Health Insurance Information

The purpose of this guide is to provide a general overview of virginia small business health insurance. the guide reviews small business health insurance options for virginia small businesses..

Building a successful business is hard work. Finding affordable small business health insurance doesn’t have to be. All small businesses face special challenges when it comes to finding and getting health insurance coverage. Luckily, recent health care reform legislation provides small businesses with special opportunities to secure affordable health insurance.

Virginia Core Small Business Health Insurance Options

When evaluating your small business health insurance options in Virginia, you should immediately compare the costs and benefits of the following three options:

Offering Traditional Small Business Health Insurance Coverage,

Offering a Defined Contribution Health Plan that Reimburses Employees for Individual Health Insurance Coverage, and

Offering Nothing

Virginia Small Business Health Insurance Overview

There are two primary categories of health insurance for small businesses to choose from:

Individual health insurance, 

Group health insurance. 

1) Individual Health Insurance

Individual health insurance plans are health insurance plans purchased by individuals to cover themselves or their families. Anyone can apply for individual health insurance. Small business owners who can’t offer group coverage due minimum contribution (or minimum participation) requirements typically purchase individual and family plans for themselves and their families. In 2014, insurance companies will no longer be able to decline individuals for individual health insurance based on a pre-existing medical condition. Also, starting in 2014, there are new special tax incentives available to businesses and employees when employees purchase individual health insurance. In some cases, self-employed persons who purchase their own health insurance may be able to deduct the cost of their monthly premiums. When small businesses decide on the individual health insurance route, they often create a "Pure" Defined Contribution Health Plan to  reimburse employees tax-free for individual premiums .

2) Group Health Insurance

Group health insurance plans are a form of employer-sponsored health coverage. Costs are typically shared between the employer and the employee, and coverage may also be extended to dependents. In certain states, self-employed persons without other employees may qualify for group health insurance plans.

Four Types of Virginia Small Business Health Insurance Plans

Whether you’re looking at individual health insurance or group health insurance, there are several different types of health plans available. The four you should absolutely know are:

PPO Health Insurance Plans,

HMO Health Insurance Plans,

HSA-Qualified Health Insurance Plans, and

Indemnity Health Insurance Plans.

The plan type that is best for you and your employees depends on what you and your employees want, and how much you are willing to spend. Here’s a brief review of the four popular types of health insurance plans:

1) PPO Health Insurance Plans

PPO or “Preferred Provider Organization” plans are the most common. Employees covered under a PPO plan need to get their medical care from doctors or hospitals on the insurance company’s list of preferred providers in order for claims to be paid at the highest level.

2) HMO Health Insurance Plans

HMO stands for “Health Maintenance Organization.” HMO plans offer a wide range of health care services through a network of providers that contract exclusively with the HMO, or who agree to provide services to members. Employees participating in HMO plans will typically need to select a primary care physician (“PCP”) to provide most of their health care and refer them on to HMO specialists as needed.

3) HSA-Qualified Health Insurance Plans

HSA-qualified plans are typically PPO plans designed specifically for use with  Health Savings Accounts  (HSAs). An HSA is a special bank account that allows participants to save money – pre-tax – to be used specifically for medical expenses in the future. Section 105 Healthcare Reimbursement Plans (HRPs) are often used in place of HSAs due to their advantages for employers.

4) Indemnity Health Insurance Plans

Indemnity plans allow members to direct their own health care and generally visit any doctor or hospital. The insurance company then pays a set portion of the total charges. Employees may be required to pay for some services up front and then apply to the insurance company for reimbursement. 

Virginia Small Business Resources*

Virginia Health Insurance Coverage:

Group Plans: Benefits will vary depending on the chosen plan.  Pre-existing health conditions covered.  

Individual Plans: Assorted plans depending on medical needs.   Pre-existing health conditions covered.

COBRA: Coverage available for 18-36 months depending on qualifying events. Benefits are what you had with your previous employer.  Pre-existing health conditions covered.

HIPAA: Benefits are based on program selected. There is no expiration of coverage.  Pre-existing health conditions covered.

HIPAA: Premium assistance that pays employer-sponsored health insurance or Cobra premium available.  Pre-existing health conditions covered.

 Virginia Health Insurance Eligibility:

Group Plans: Guaranteed coverage for companies with 2-50 employees. Eligible employees must work at least 30 hours a week. Owner can count as an employee. Owner name on business license must draw wages from the company.  

Individual Plans: Eligibility is subject to medical underwriting. If you are denied coverage for a medical condition, you may be eligible for AHIP, or PCIP.  

COBRA: Guaranteed coverage available for employees who work for businesses with 20 or more employees. Employees have 60 days from date of termination to sign-up.  

HIPAA: Must have had 18 months of continuous coverage and completely exhausted Cobra or state continuation coverage. Must not have lost coverage due to fraud or non-payment of premiums. You have 63 days to enroll.  

HIPAA: Must qualify for Medicaid and have access to Employer-Sponsored Insurance or Cobra.

Virginia Health Insurance Monthly Cost:

Group Plans: Costs depend on employer contribution and the  +  20% of the Insurance company’s Index rate.  

Individual Plans: Costs for Individual coverage vary. There are no rate caps.  

COBRA: Costs vary between 102% to 150% of group health rates.  

HIPAA: Premiums will depend on plan chosen.  

HIPAA: Reimburses the full employer-sponsored insurance premium amount by check monthly. Pays the insurance company directly for people on COBRA or eligible small businesses.  

*Source: www.coverageforall.org

Virginia : Average “Single” Premium per Enrolled Employee for Employer-Based Health Insurance, 2011*

Virginia : Average “Family” Premium per Enrolled Employee for Employer-Based Health Insurance, 2011*

Virginia : Average “Employee-Plus-One” Premium per Enrolled Employee for Employer-Based Health Insurance, 2011*

Virginia : Average Per Person Monthly Premiums in the Individual Market, 2010*

*Source: statehealthfacts.org

Small Business Health Insurance Reform

Are you ready for health care reform ("ACA") in 2014?

Today, employers are more stressed than ever. Here’s why:

The business environment is uncertain,

Employer-sponsored health insurance costs increase annually, and

New fees and penalties take effect next year, and most employers don’t fully understand how this will affect their financials.

It is time for employers to examine the specifics of healthcare reform, and start thinking strategically vs. emotionally. Change is hard. However, employers that educate themselves and plan ahead can avoid severe financial impacts.

The more change and disruption your business can embrace, the more cost savings (for both the company and your employees) you will be able to realize over the long term. In order to embrace this change, you must be familiar with the key aspects of ACA. For many small businesses, the solution to healthcare reform is simple: Offer a “Business Expense Account” for Healthcare. A new vehicle, called a Healthcare Reimbursement Plan (HRP), allows employers to get out of the health insurance business, and simply give select employees monthly allowances to spend on their own health insurance policy in a state health insurance exchange.

Listed below are key ACA components to consider when choosing small business health insurance. 

Individual Health Insurance Tax Subsidies

Beginning 2014, individuals will have access to tax subsidies to buy private health insurance through the public exchange. These subsidies will be for those who enroll in a silver plan through the exchange. The subsidy caps the cost of individual health insurance at 2% - 9.5% of their household income if their household income is less than 400% above the federal poverty line. This equates to roughly $90,000 per year for a family of four.

Click here for more information on the premium subsidies.

Individual Health Insurance Tax Penalties

The  Individual Mandate  requires most individuals to purchase health insurance, or else pay a penalty on their tax return each year. The intention of the individual penalty is to reduce the "Free Riding" effect in the health insurance market (a free rider is someone who is healthy and does not purchase health insurance until they need it.

Click here for more information on individual tax penalties.

Small Business Health Insurance Tax Credits    

Small businesses with up to 25 full-time equivalent employees may qualify for a tax credit for offering employee health benefits. The credit is broken in to two phases. Phase 1 (2010-2013) includes a tax credit worth up to 35% of a small business’s health insurance costs.  Phase 2 (2014 and beyond) includes a tax credit up to 50% of a small business’s health insurance costs.

Click here for more information the tax credits.

Small Business Health Insurance Tax Penalties

Starting January 1, 2015, Employers  with 50 or more  full-time equivalents who do not offer minimum essential coverage can face monthly penalties if at least one employee uses a premium tax credit to obtain health insurance through the state health exchange. If you do not have more than 50 employees, you are not subject to these penalties.

Click here for more information on the business tax penalty.

The Future of Small Business Health Insurance - Defined Contribution Plans

Defined Contribution Plans  allow employers to offer health benefits without offering a traditional group health insurance plan. Instead of paying costs for a specific group health plan, employers allocate tax-deductible monthly allowances for their employees to spend on private health insurance and other medical expenses tax-free.

Features of defined contribution plans include the following:

Employee Choice – employees choose a health insurance plan that best fits their needs.

Fixed Cost – employers control health care costs by allocating fixed monthly allowances for their employees.

Savings – employers using Defined Contribution Plans typically cost less than group health plans which results in saving for both the employer and employee.

Next Steps – Evaluate Your 3 Core Options

Immediately compare the costs and benefits of the following three options:

Offering a Defined Contribution Health Plan that Reimburses Employees for Individual Health Insurance Coverage, and

Offering Nothing.

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Sana Benefits - Virginia Content

Sana

Virginia Content

Small business health insurance in virginia.

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Affordable. And built for Virginia small businesses.

Sana is bringing our dependable, high quality health plans to businesses in Virginia. Our plans meet any budget, and your employees can see any doctor they want, without paying out-of-network fees.

Sana plans in Virginia

Sana vs. everyone else.

small business health insurance va

We don’t do hidden fees. With Sana, your costs are transparent and predictable so you can budget with confidence.

small business health insurance va

Forget out-of-network hassles and limitations. Our All-Access PPO Plus network enables you and your employees to choose any provider without out-of-network costs or referrals.

small business health insurance va

Sana gives you access to high-quality providers and the ability to add dental and vision care to any plan. You get virtual care options for primary care, maternity care, mental health and more, for $0 on most plans.

small business health insurance va

Sana’s employer portal makes understanding and managing your plan simple. Our admin and member support teams are Sana experts, accessible via chat or email.

Virginia does not require any company to offer health insurance benefits, although the Affordable Care Act (ACA) does. But not all companies are under the health care mandate. If your company has 1 to 50 full-time employees, you do not have to provide them with health insurance. However, offering coverage will make you a more attractive employer to employees evaluating their options.

Sana provides plans to businesses with five or more employees.

Establish your budget and objectives. You can streamline the process by working directly with Sana, so you don’t have to use brokers or third-party administrators. In addition to providing plan administration and claims adjudication, we’ve got a seasoned implementation team to help you onboard. Also, you are not required to wait until your current plan cycle ends. You’ll be able to transition mid-year with our team’s help.

Your costs will vary depending on the percentage of employee premiums you cover, the number of people you enroll, and whether you cover employees only or also their dependents. Your choice of plan also influences costs (and that of your employees).

Sana negotiates pricing with providers based on objective, industry-accepted metrics. Shrinking provider markups reduces the cost of care, making premiums more manageable. As a small business, you can deduct the cost of employee premiums from your federal taxes. You may also qualify for a tax credit.

Of course. The dashboard on our site allows employers and administrators to easily add new employees, update contact information, adjust benefits (such as when an employee has a Qualifying Life Event), or remove employees from the plan. Additionally, plan administrators can take advantage of Mineral (formerly ThinkHR) for free. Human resource and compliance professionals can tap into Mineral’s support. Administrative employees can reach out to a team of HR advisors with questions and for assistance. They can get a compliant employee handbook with prewritten and automatic policy updates, and they can use an award-winning resource center.

See what our members say about Sana

“Thank you for everything that you’ve done for me! You made what could have been a difficult and stressful insurance process into one that is manageable. You took the time to explain everything to me and went out of your way to contact my providers. On top of that, you are one of the sweetest, kindest people I’ve had the pleasure to work with.” Kristi, Member
“We have been loving Sana, the customer service and coverage are both wonderful. You guys have been a breath of fresh air…health care carriers have always been a thorn to work with. So, working with y’all has been professional, efficient, and personable. Appreciate all you do!” Beth, Member
“We definitely reduced our cost in health insurance by about 40%. It was a big savings and a no-brainer.” Brian, Member

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Get health insurance for your small business

Health insurance is a critical factor for small businesses to help retain and recruit employees and sustain productivity and satisfaction. UnitedHealthcare offers a range of group health insurance options designed to help your small business save money and support your employees’ health and well-being.

Request a quote for your small business (2-50 employees)

Simply complete a quick form to get started with a quote for your small business. A UnitedHealthcare representative will get in touch and work with you to help find group health insurance options that best fit your business.

small business health insurance va

View plans or request a quote (2-50 employees)

To get more details on health insurance options for your small business, click on your state below. In markets where the Small Business Store is available, 1 you will be directed there. In markets where the Small Business Store is not available, you can request a quote from UnitedHealthcare.

  • Connecticut
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For companies with 51 or more employees

Find the right medical plans for your employees and your business, plus supplemental plans for dental, vision, disability and more.

Explore products and solutions for small businesses

There's not just one way we work to help small businesses like yours. By offering benefits packages designed to improve employee experience and help employers manage cost, there's a number of products and solutions that may be right for your business.

Explore a range of group health plans and network options.

Discover how integrated pharmacy benefits from OptumRx may help lower costs for you and your employees.

Enhance your employees’ specialty benefits package with vision, dental, financial protection plans and more.

See how we are guiding employees to the behavioral care they need.

Get more health plan resources

Find information to help you and your employees get the most from their health benefits.

Did you know?

UnitedHealthcare’s employer-sponsored insurance plans serve groups that fall into three categories: Small Group plans refer to employers with up to 100 employees; Key Accounts is for employers with 101 to 5,000 employees; and National Accounts serves employers with more than 5,000 employees.

Building healthier workplaces together

A small business with about 40 employees shares why working with UnitedHealthcare has enabled them to provide a health plan that delivers on what matters to their employees.

small business health insurance va

Video transcript

Instrumental music plays throughout. Three white lines curl across a blue background. Blue text centers a white screen.

ONSCREEN TEXT:          Building healthier workplaces together

Upbeat music plays to a montage of shots from employees working in warehouse, a forklift, a man outside, seed being filled into a bag, a white truck driving through plains, and a blonde-haired woman smiling.

The screen dissolves into white with the blue United U logo appearing in the center.

Inspirational music begins playing as we see an aerial view of the Albert Lea Seed Plant. The scene switches to an aerial view of a baseball field, then to the Albert Lea Seed Plant entrance. The view moves inside where Matt Helgeson speaks to a circle of employees in the warehouse.

MATT: Okay, good morning, everybody.

We've got trucks at the dock today, so it's going to be a busy Monday.

We've got trucks on the scale as well, so we'll need a couple samples pulled up.

The screen shows Matt being interviewed before a white background.

MATT: Albert Lea Seed has been in business for almost 100 years,

A blue bar slides into the bottom left of the screen, containing white text.

ONSCREEN TEXT:          Matt Helgeson Owner, Albert Lea Seed

MATT: and today our focus is distributing seed throughout the Upper Midwest and throughout the country.

A white text box with the Albert Lea Seed logo scrolls down from the top left of the screen.

ONSCREEN TEXT:          Organization Albert Lea Seed 

Location Albert Lea, MN

Industry Agriculture

Established 1923

Number of employees 40

Music continues. We see Matt checking seed and then a man pouring seed into a bag in a warehouse.

Matt: One of our key focuses is distributing an organic and non-GMO seed to farmers who are under those production methods.

We see Matt and another man examining seeds in a field.

MATT: Many of our seeds that we offer here are produced by local farmers.

Those seeds include soybeans especially, and also small grains; things like oats, wheat, barley, and rye.

We see palettes of bags of organic grain seed and barley. Scene cuts to a white truck driving on a dirt road in the fields.

MATT: Those relationships with our customers matter to us, and they matter to the farmer, and so we try to offer honest advice and seeds in which the quality we believe is truly there.

Matt gets out of truck and shakes hands with another man in a field. Matt and a man inspecting crop.

Nicole Hansen begins speaking. We see the Albert Lea Seed building sign, then Nicole speaking to employees in the warehouse, handing out open enrollment booklets. A white UnitedHealthcare U logo is at the bottom right corner of the screen

NICOLE: Good morning, everyone. I'm going to briefly talk to you guys this morning about open enrollment for 2022. I'm going to hand out some booklets for everyone.

The screen changes to Nicole Hansen interviewing before a white background. A blue bar slides into the bottom left of the screen, containing white text.

ONSCREEN TEXT:        Nicole Hansen Human Resources, Albert Lea Seed

NICOLE: A lot of people are surprised to hear that the Albert Lea Seed House even offers benefits just because we're such a small employer and we're not actually required to offer any type of health insurance.

Nicole continues speaking while we see a montage of a forklift in the warehouse.

NICOLE: We want the best for our staff and for their families. We take a lot of pride in not having high turnover rates, and that's because of how we treat our employees and how comfortable they feel with us.

The screen switches back to Nicole in front of a white background.

NICOLE: We meet with our broker every year, the controller and I do, and we're always looking at a plan that's going to impact our staff in the most positive way.

Nicole continues speaking while we see a montage of employees working with seed in the warehouse.

NICOLE: Which one is going to cover them is depending on what's going on in their life and make a positive impact on them and their families.

Matt begins speaking and we see a montage of workers in the warehouse.

Matt: The health of our employees is critically important.

The screen changes to Matt being interviewed in front of a white background.

MATT: The UnitedHealthcare plan has been very beneficial for all of our employees here.

While Matt is speaking, we now see a montage of employees at work and the white UnitedHealthcare U logo in the bottom right corner.

MATT: The incentives for employees to improve their health and have more of a preventative concept is really important.

Nicole is speaking before a white background.

NICOLE: The incentive program that's offered through UnitedHealthcare is a huge success with all of my staff here.

While she is speaking, we see Nicole and Matt walking and talking outside.

NICOLE: They love the incentive for them to get up and get moving. It gives them a great feeling, and they love the extra cash flow into their HSA. These plans that we offer through UnitedHealthcare are very important to us because happier employees are more productive employees, which are healthier employees.

The screen is changing back to Nicole speaking in front of a white background

NICOLE: And that's exactly what we strive for here at the Albert Lea Seed House.

Blue text flashes quickly on screen, centering a white background.

ONSCREEN TEXT:        There

ONSCREEN TEXT:        for

ONSCREEN TEXT:        what

ONSCREEN TEXT:        matters

A blue u-shaped logo appears against a white background, followed by text.

ONSCREEN TEXT:        UnitedHealthcare

Small black text runs along the bottom of the screen.

ONSCREEN TEXT:        All trademarks are property of their respective owners.

ONSCREEN TEXT:        Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

ONSCREEN TEXT:        © 2023 United HealthCare Services, Inc. All Rights Reserved. 23-2747306

ONSCREEN TEXT:        EI232767439 11/23

NBC New York

Here's what's open and closed on Presidents Day 2024 and why we celebrate the holiday

Here's a look at what presidents day is, when it takes place and what will be open and closed, published february 16, 2024 • updated on february 17, 2024 at 1:40 pm.

The U.S. is celebrating Presidents Day Monday and while many will be off work for the federal holiday, they'll also be wondering where they can go and what they can do.

Here's a look at what Presidents Day is, when it takes place and what will be open and closed:

What is Presidents Day and why do we celebrate it?

The earliest iteration of Presidents Day dates back to the 1800s, when the life of first U.S. President George Washington was celebrated each Feb. 22, which was his birthday, according to History.com . In 1885, Washington's birthday became the first to be designated as a federal holiday.

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Then, in 1971, the holiday was moved to third Monday in February as a result of the Uniform Monday Holiday Act, which was designed to give workers a number of three-day weekends throughout the year. According to the National Archives , the position of the holiday between Washington's birthday and Abraham Lincoln's birthday, which was Feb. 12, "gave rise to the popular name of Presidents Day."

Since Lincoln's birthday wasn't a federal holiday, Presidents Day has become a day to honor both presidents.

When is Presidents Day?

U.s. & world.

small business health insurance va

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small business health insurance va

Search intensifies for missing American woman in Madrid: ‘We must always be looking'

In 2024, Presidents Day falls on Monday, Feb. 19.

What's open and closed for Presidents Day 2024?

Because Presidents Day is a federal holiday, many facilities will be closed.

Banks: Mostly closed

Presidents Day is a holiday for the Federal Reserve Bank, meaning most bank locations will be closed. TD Bank stores will be open, though.

Post office: Closed

Because Presidents Day is a federal holiday, USPS offices will be closed.

UPS: Locations open

UPS says "pickup and delivery services are available," on Presidents Day. The company notes that UPS SurePost and UPS Mail Innovations deliveries "will require one additional business days’ time in transit due to the Federal (USPS) holiday."

The UPS Store locations are open, however.

FedEx: Modified service

Though most routes will operate normally, FedEx says it will employ modified service for FedEx Express and Ground Economy for the holiday.

Schools: Mostly closed

Most schools across the country are closed on Presidents Day, with some districts even having off the Friday before the holiday as well.

Grocery stores: Mostly open

Stores like Trader Joe's, Costco and more have said they will operate regular hours. Check your local store for hours.

Retailers and restaurants: Mostly open

While most government functions will not be operating on Monday, most big box stores and restaurants will remain open.

Many major chains will be offering a number of holidays sales in celebration of the day.

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small business health insurance va

IMAGES

  1. Virginia Small Business Health Insurance Guide

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  2. Best Small Business Insurance in Virginia

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  3. Small business health insurance options

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  4. Small Business Health Insurance

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  5. The Top 5 Small Business Health Insurance Options in 2019

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  6. Small Business Health Insurance Facts You Must Know In 2022

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  1. Health insurance premiums in Virginia

    Small Business Health Insurance See Topics SHOP Coverage Why use the SHOP Marketplace? Verify your eligibility for SHOP Small Business Health Insurance Tax Credit How to work with an agent or broker Insurance for multiple locations & businesses Minimum participation rates Appeal a SHOP marketplace decision Additional resources for employers

  2. Small Business Health Insurance in Virginia

    Anthem offers a range of health insurance plans for small businesses in Virginia, with a broad network of providers and benefits. You can choose from PPO, HMO, POS, or other plan types, and combine medical, pharmacy, dental, vision, life and whole health options. Anthem also provides online tools and services to manage your benefits and costs.

  3. Home Page

    Find affordable health plans for your small business or yourself in Virginia's Insurance Marketplace. Learn how to get financial assistance, enroll in a new plan, or change your existing plan with a Qualifying Life Event.

  4. Small Business Employers

    Learn how to offer health insurance to your employees through the Small Business Health Options Program (SHOP), a resource for small business employers who want to provide health benefits. Find a plan that fits your needs, claim the Small Business Health Care Tax Credit, and get quality coverage for your employees.

  5. PDF Health Insurance For Your Small Business

    Virginia's Insurance Marketplace makes it easy for you to find a health plan that fits your needs through the Small Business Health Options Program (SHOP). What is SHOP? SHOP is a resource for small business employers who want to provide health insurance to their employees.

  6. Group Health Insurance in Virginia

    Our Virginia small business health insurance plans provide your employees access to the right doctors, benefits, tools, and support to simplify their health journey and help keep your business running. Plans are designed for businesses with 2 to 50 employees. Learn More Large Group Plans ...

  7. Small Business Health Options Program

    Small Business Health Insurance See Topics SHOP Coverage Why use the SHOP Marketplace? Verify your eligibility for SHOP Small Business Health Insurance Tax Credit How to work with an agent or broker Insurance for multiple locations & businesses Minimum participation rates Appeal a SHOP marketplace decision Additional resources for employers

  8. Small Business Health Insurance in Virginia

    Four Types of Virginia Small Business Health Insurance Plans Whether you're looking at individual health insurance or group health insurance, there are several different types of health plans available. The four you should absolutely know are: PPO Health Insurance Plans, HMO Health Insurance Plans, HSA-Qualified Health Insurance Plans, and

  9. Coverage Options for Small Businesses

    Coverage Options for Small Businesses The Small Business Health Options Program (SHOP) is a program that simplifies the process of buying health insurance for your small business. The SHOP Marketplace is open to employers with 50 or fewer full-time-equivalent employees (FTEs). The advantages of using SHOP include: You control the coverage you offer and how much

  10. Virginia Small Business Health Insurance

    Virginia Small Business Health Insurance 2 Virginia Group Health Insurance Made Easy with eHealth Shop Virginia health insurance plans for your small business! eHealth's licensed agents can provide personalized recommendations and guidance through the application and enrollment process.

  11. SHOP Marketplace Healthcare for Small Businesses

    The Small Business Health Options Program (SHOP) Marketplace, created through the Affordable Care Act (ACA), offers affordable and flexible health insurance and dental plan options to small businesses. Coverage and pricing varies based on the plan, so as an employer you can find the best fit for your employees and your business.

  12. Get Small Business Health Insurance

    Get Small Business Health Insurance | UnitedHealthcare® Menu Get a customized quote for your small business in just minutes. UnitedHealthcare® can help you understand your small business health insurance options.

  13. Virginia Small Business Health Insurance Plans

    Small Business Health Insurance in Virginia Affordable. And built for Virginia small businesses. Sana is bringing our dependable, high quality health plans to businesses in Virginia. Our plans meet any budget, and your employees can see any doctor they want, without paying out-of-network fees. Sana plans in Virginia Show detailed plan comparison

  14. Best Small Business Health Insurance Providers Of 2024

    Summary: Best Health Insurance for Small Business Owners. Kaiser Permanente and Blue Cross Blue Shield are the best health insurance companies for small business owners, based on Forbes Advisor ...

  15. Virginia health insurance plans

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  16. Health insurance for small business

    Learn more about small business insurance from UnitedHealthcare® We can help you navigate insurance for business needs.

  17. SHOP Plans

    Compare and select health insurance plans for small businesses in Virginia based on area offered, plan type, metal level, coverage, and estimated cost. See a list of companies and map of coverage or connect with an agent.

  18. PDF Getting started with Veteran- Owned Small Business Support

    Veterans Business Outreach Center (VBOC): This program has multiple locations around the country which are designed to provide entrepreneurial development services such as business training, counseling and resource partner referrals to transitioning Service members, Veterans, National Guard & Reserve members and military spouses interested in st...

  19. Virginia SCC

    The Virginia Health Benefit Exchange, a division of the SCC, operates Virginia's Insurance Marketplace with the goal to improve health coverage accessibility and affordability for Virginians.. Beginning November 1, 2023 - for the 2024 Plan Year - Virginia's Insurance Marketplace will replace healthcare.gov in Virginia to connect eligible Virginians who are not insured by their employer, do ...

  20. Office of Small & Disadvantaged Business Utilization

    Training and Employment Programs. Unique training and employment programs designed to engage and equip our Nation's Veteran population as they transition to civilian employment. Apply for and manage the VA benefits and services you've earned as a Veteran, Servicemember, or family member—like health care, disability, education, and more.

  21. Sole Proprietor Business Insurance: Costs And Types You Need

    The average cost for professional liability insurance for sole proprietors is $61 per month and workers compensation costs an average of $45 per month. Your sole proprietorship business insurance ...

  22. VA Small and Veteran Business Programs

    VA Small and Veteran Business Programs implement the requirements to aid, counsel, assist, and protect the interests of small and Veteran business concerns. Overview When acquiring products and services, the federal government must award these businesses a fair proportion of total VA property and services purchases, contracts, and subcontracts.

  23. Small Business Health Insurance

    Our small business health insurance portfolio includes a wide variety of plan options, along with broad network coverage for groups with 2 to 50 employees. We connect and coordinate all our benefits to work together and enhance all aspects of care.

  24. Virginia SCC

    Information & Enrollment. Beginning November 1, 2023 - for the 2024 Plan Year - Virginia's Insurance Marketplace will replace healthcare.gov in Virginia to connect eligible Virginians who are not insured by their employer, do not have affordable coverage, Medicaid, or Medicare, with affordable health insurance options. Virginians in need of health insurance for (current) Plan Year 2023 ...

  25. Health benefits help SMBs hire and retain workers despite ongoing

    Offering group health coverage is important to small businesses. More than 9 in 10 said it's important, with 69% calling it "extremely important." Health benefits help them hire good workers.

  26. Here's what's open and closed on Presidents Day 2024 and why we

    Published February 16, 2024 • Updated on February 17, 2024 at 1:40 pm. The head of George Washington, first president of the United States, sculpted into the granite rock of Mount Rushmore in ...