I think most group health insurance plans cover small businesses with two employees. It’s best to get in touch with a health insurance agent to find out if the state you’re in allows for two-person group health plans and if the insurance companies in your area offer the said services. In some cases, you’d need to have at least 10 employees in the company to be able to sign up for a group health insurance plan.

When I got a two-person group health insurance for my business, I had to present my business license and a copy of state payroll filing to prove that my wife is an employee. In addition to those, I had to fill out a ton of paperwork for the provider.

Also note that some small business group plans don’t start right away as some plans have set coverage dates.

A health insurance agent can better help you with this since he can explain the plans and how to get one in better detail. He can help you choose which group health insurance plan (either HMO, PPO, HDHP or other plans) is perfect for you and your husband.

Answer by general public - July 3, 2009 @ 3:48 pm

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