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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.

This guide:

  • 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.

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This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.