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Oregon Small Business Health Insurance

There are different Oregon 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 Oregon.

  • Briefly explains self-employed Oregon health insurance.

  • Alerts you to a beneficial tax deduction.

We also have a guide to Oregon health insurance for families and individuals.

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Oregon small business health insurance regulations

All small businesses are eligible to purchase Oregon small business health insurance. Also, if a small business has between 2 and 50 employees, Oregon health insurance companies must offer them a health insurance policy with similar benefits as ones they've sold to other small business. insurance policies.

A small business must also meet minimum enrollment requirements or they risk policy cancellation. In Oregon, health insurance Companies can require that a certain number of your eligible employees purchase the Oregon small business health insurance policy and that the employer contributes a specific amount toward his employee's premiums.

Before selling a group Oregon small business health insurance, the insurance company may also ask that the employer agree to pay an amount toward each employee's health insurance premiums.

The amount Oregon health insurance companies can charge for Oregon small business health insurance can increase on the basis of the groups' health status, risk, age, and family size . However, there are limits, to how much extra.

Finally, it is illegal for Oregon health insurance companies to cancel an existing Oregon small business health insurance policy on the basis of a illness.

Self- employed Oregon health insurance

The approach different states take to the issue of how to treat health insurance for the self-employed varies. In Oregon, the self employed are prohibited from purchasing a small group health insurance policy for yourself if they employ no one else. A self-employed person with any number of employees is permitted to buy California small business health insurance.

Being a self-employed individual buying Oregon health insurance can be quite costly. However, there is relief from this cost through an itemized tax deduction. A percentage of your annual Oregon health insurance premiums can be deducted from taxes if you are self-employed and buying your own health insurance.

More OR 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 OR group health insurance laws and regulations, visit the official website of the Oregon Department of Consumer and Business Services, Insurance Division.

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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.