Groups of employees, members of associations or labor unions with at least two full-time taxable employees are eligible for Pennsylvania health insurance. One master contract usually covers the entire group.

PA group health insurance providers 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. PA group insurance also has tax advantages because the 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 in Pennsylvania:

1. The health provider network. A Pennsylvania 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 pays before health insurance companies in Pennsylvania will begin to cover costs.

3. The coverage limit. This is the maximum amount that PA group health insurance providers pay.

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

Get a referral to a licensed insurance agent for Pennsylvania health insurance

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

I recommend: Enter your zip code and the brief application form at Pennsylvania Health Insurance to receive a quote from a local health insurance agent. This site also has a large amount of health insurance information specific to Pennsylvania.

Collect quotes from companies that provide group health insurance in Pennsylvania

Employees will want to join a group health plan if you have this option because the employer will be paying for a portion of the group health plan. PA group health insurance has a much lower requirement on the overall health of its policy holders than individual health insurance does.

I recommend: Go to LowCostPAHealthInsurance.com to apply for free quotes on group health insurance in Pennsylvania. This site specializes in low cost group health insurance plans.

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

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 Pennsylvania.

I recommend: Complete the application form on Keystone Insurers Group for your business. This company will provide you with a direct quote.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Provide part-time employees a customized health care plan. Health insurance companies in Pennsylvania are usually best able to serve your employees with a less expensive plan that provides basic coverage for essential benefits and discounts on some services that are not covered outright. Flexible Spending Accounts are another method that a part-time employee can use to manage their health care costs.
• •  Offer a consumer-driven group health insurance plan for employees who wish to be more engaged in their health care. This type of Pennsylvania health insurance coverage usually offsets a low-cost, high-deductible plan with Health Reimbursement Accounts and Health Savings Accounts that allow a member to manage expenditures more closely than with a traditional health care plan.