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Connecticut

Connecticut Small Business Health Insurance

There are different Connecticut health insurance laws regarding small businesses or the self-employed. Often these types of health insurance policies are easier to qualify for than an individual health insurance policy, even if you are not in the best of health.

This guide:

  • Describes small business health insurance laws in Connecticut.

  • Briefly explains self-employed Connecticut health insurance.

  • Alerts you to a beneficial tax deduction.

We also have a guide to Connecticut for families and individuals.


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Connecticut small business health insurance regulations

Connecticut health insurance companies must sell small business health insurance to any small business. Additionally, small businesses must be offered a standardized "Blue Ribbon" health plan.

Qualifying Connecticut small businesses must be offered the same health insurance sold to other Connecticut small business. To be eligible a small business must have employees totalling between 2 and 50.

Also, employees must meet a minimum level of participation in order to qualify for Connecticut small business health insurance. Depending upon the health insurance company, a percentage of employees must purchase the policy or the Connecticut small business health insurance policy will be terminated.

Furthermore, the employer might be asked to contribute a minimum amount toward each employee's premiums before the health insurance company agrees to sell him

If both requirements are met, Connecticut health insurance companies must sell health insurance to any small business that applies.

On a different note, the cost of Connecticut small business health insurance is only slightly limited. The price of Connecticut small business health insurance can fluctuate due to the age, gender or health status of the employees, but within boundaries.

Finally, as with individual health insurance policies, illness can not be used as grounds for terminating an Connecticut small business health insurance policy.

Self-employed Connecticut health insurance

States handle health insurance for the self-employed differently. In Connecticut, if you are the sole employee and owner of a business, you can still purchase an Connecticut small business health insurance policy.

This means youa lso enjoy all the same health insurance protections that small businesses do.

Although you will be solely responsible for purchasing your health insurance, there is one great advantage. As a self-employed business owner, you are eligible to deduct a portion of your Connecticut health insurance premiums from your taxes. If you itemize your tax deduction, up to 80% of your premiums can be deducted.

More CT small business health insurance help

If you want more help getting the a good health insurance policy, read our guide to small business health insurance.

To find out more about CT group health insurance laws and regulations, visit the official website of the State of Connecticut Insurance Department.





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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.