Arizona Small Business Health Insurance
There are different Arizona health insurance laws regarding small businesses and the self-employed. Often these types of health insurance policies are easier to qualify for than individual health insurance policies, especially if you are not in the best of health.
Describes small business health insurance laws in Arizona
Briefly explains self-employed Arizona health insurance
Alerts you to a beneficial tax deduction
We also have a guide to Arizona health insurance for families and individuals.
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Arizona small business health insurance regulations
All small businesses are eligible to purchase Arizona small business health insurance. If a small business has between 2 and 50 employees, Arizona health insurance companies must offer them a health insurance policy with similar benefits as ones they've sold to other small business.
A small business must also meet minimum enrollment requirements or they risk having their policy canceled. In Arizona, health insurance Companies can require that a certain number of your eligible employees purchase the Arizona small business health insurance policy. Arizona Health insurance companies can also require that the employer contributes a specific amount toward his or her employee's premiums.
The amount Arizona health insurance companies can charge for Arizona small business health insurance can increase on the basis of the group's health status, age, and gender. However, there are limits to how much more the Arizona insurance company can charge because of these situations.
Finally, it is illegal for Arizona health insurance companies to cancel an existing Arizona small business health insurance policy on the basis of illness.
Self-employed Arizona health insurance
Buying health insurance as a self-employed individual is treated differently by each state's health insurance laws. According to Arizona health insurance laws, self-employed individuals can not purchase group health insurance if there no other employees.
However there is a big benefit to being a self-employed business owner. A percentage of your health insurance premiums can be deducted from your taxes if you are a self-employed individual and are buying your own health insurance. Depending upon the year, 70 to 90 percent of your health insurance premiums can be deducted as an itemized deduction on your taxes.
More AZ small business health insurance help
If you want more help getting a good health insurance policy, take our free health insurance internet course.
To find out more about AZ group health insurance laws and regulations, visit the official website of the State of Arizona Department of Insurance.