As with any group health insurance policy, the conditions for a small business health insurance are more likely the same.  However, small business health insurance generally costs more than a regular group health insurance.

The monthly premium rates for a small business health insurance usually depends on many factors such as the company’s base of operation,  type of business, number of employees, their average age, their overall health and benefit claims history, type of plan and payment plan.

For example in Virginia, a Blue Cross small business health insurance plan with a $500 deductible may cost to around $3000 a month assuming that everyone is in a pretty good health and in a safe work environment.   However, if any employee has a serious health condition, it could easily go up to $4500.  Nevertheless, this rate for a small business health insurance plan may still be subject to a change considering the number of members that have health issues.

The guidance of a local agent may help a lot in your decision for the appropriate health insurance plan that you will provide for your employees.

Answer by general public - June 3, 2009 @ 4:39 pm

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