Small Businesses & Self Employed Health Insurance
Ensuring your small business and self-employees have access to quality healthcare
Navigating Health Insurance:
A Guide for Small Businesses and the Self-Employed
Offering health insurance is a smart investment for your business and employees. We can help you explore group health insurance options to find a plan that aligns with your needs and budget. Similarly, if you’re self-employed, we recognize the need for flexible and affordable health coverage that fits your lifestyle, allowing you to focus on your work with peace of mind.
Tailored Solutions for Your Business
Small Business
We offer a range of plans, including:
HMO (Health Maintenance Organization)
Lower premiums, requires in-network providers and a primary care physician (PCP) for referrals.
PPO (Preferred Provider Organization)
More flexibility to see out-of-network providers, but typically higher premiums.
EPO (Exclusive Provider Organization)
Similar to a PPO but generally doesn’t cover out-of-network care except in emergencies.
POS (Point of Service)
Combines features of HMOs and PPOs, requiring a PCP referral for specialists but offering some out-of-network coverage.
HDHP (High Deductible Health Plan)
Lower premiums but higher out-of-pocket costs, often paired with a Health Savings Account (HSA).
Self-Employed
We offer a range of health insurance options tailored to the needs of self-employed individuals and entrepreneurs.
Individual Health Plans
We help you find individual health plans that offer comprehensive coverage.
Marketplace Plans
We assist with navigating the Health Insurance Marketplace and understanding available subsidies.
Dental & Vision Coverage
We help you find add on dental and vision plans.
*ACA compliant carries including but not limited to, United Health Care, Cigna, Medica, Ambetter, Aetna, Anthem Blue Cross and Blue Shield as well as non -ACA private plans
The Benefits of Offering
Small Business and Self-Employed Health Insurance
Financial Security
Protect yourself from unexpected medical expenses.
Attract & Retain Top Talent
Competitive benefits packages, including health insurance, are essential for attracting and retaining skilled employees.
Enhance Employee Satisfaction & Loyalty
Employees value health benefits, leading to increased job satisfaction and loyalty.
Tax Advantages
Small businesses may be eligible for tax credits and deductions related to health insurance premiums.
Healthier & More Productive Employees
Access to healthcare can lead to fewer sick days and increased productivity.
Potential for Lower Premiums
Group plans often offer better rates than individual plans.
Continuity of Care
Maintain consistent access to healthcare providers.
Why Partner with Z & J Insurance?
-
- Expert Guidance: We have 22 years of experience helping businesses find the right health insurance solutions.
- Personalized Service: We take the time to understand your unique needs and provide tailored recommendations.
- Wide Range of Options: We work with multiple providers to offer a variety of plans and price points.
- Ongoing Support: We’re here to answer your questions and provide support throughout the year.
- Serving 14 States: We can assist businesses in numerous states.
Invest in Your Employees’ Health and Your Business’s Future
Contact Us Today!
Let Z & J Insurance help you find the perfect Small Business Health Insurance plan for your company. Contact us for a personalized consultation.