There are several different groups that can benefit from group health insurance brokers. CT generally provides group insurance to employees with at least two full-time taxable employees, members of associations and labor unions. One master contract usually covers the entire group.

CT group health insurance agencies give small businesses other benefits besides medical care for its employees. Group health insurance distributes the financial risk between all of the members, usually resulting in lower premiums and greater coverage for a group health plan. CT group insurance also offers tax advantages because all of the employer contributions are tax deductible in most cases.

There are three key points to consider when evaluating a group health insurance plan:

1. The health provider network. A Connecticut group insurance company will frequently only cover services by certain health providers. Ensure that there are enough providers in your area to cover the medical requirements of your group.

2. The deductible. This is the amount, if any, that the employee must pay before health insurance companies in Connecticut will begin to cover costs.

3. The coverage limit. This is the maximum amount CT group health insurance agencies will pay.

Action Steps
The best contacts and resources to help you get it done

Get a referral to a licensed agent for Connecticut group health insurance

A referral provides you with a quote and the contact information of insurance agents without speaking to them until you are ready.

I recommend: Fill out the brief application form at DGS Health to receive a quote from group health insurance brokers. CT-specific information on group health insurance can also be found on this web site.

Gather quotes on Connecticut group health rates

Employees will want to join a group health plan if you have this option because the employer will pay for a portion of the group health plan. Small business health insurance in Connecticut has a much lower requirement for the overall health of its policy holders than individual health insurance does.

I recommend: Go to Malloy Insurance Agency for a list of their plans for group health insurance in Connecticut. Malloy provides a full range of insurance services to Connecticut residents.

Solicit a quote from a specific group health insurance agent in Connecticut

To avoid any costly surprises, supply the most complete information you can about your business and its employees when seeking a quote from a specific agency for group health insurance in Connecticut.

I recommend: Complete the application for group health insurance in Connecticut at InsuranceCT.com. This site provides policies with a large group of major insurers in Connecticut.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Provide part-time employees with a customized health care plan. Health insurance companies in Connecticut will be able to provide these employees with a less expensive plan that provides basic coverage for essential benefits.
• •  Offer a consumer-driven group health insurance plan for employees who wish to be more engaged in their health care. Some plans offer low Connecticut group health rates with a high deductible that is offset by Health Reimbursement Accounts and Health Savings Accounts that allow a member to manage expenditures much more closely than with a traditional health care plan.