Group Health Insurance FAQs

Get answers to the most commonly asked questions regarding group health insurance coverage for small businesses. If you can’t find the answer you’re looking for, don’t hesitate to contact us.

Group Health Insurance FAQs
  • Group Health Insurance

  • What are the benefits of providing group health insurance to my employees?

    Employees value health insurance benefits. Studies have shown that employees rank the value of health insurance coverage second only to their compensation. By offering group health insurance benefits to your employees, you may find it easier to attract and retain the best workers for your company.

    Additionally, there are various tax incentives available to you and your employees when you participate in a group health insurance plan. For example, businesses can generally deduct 100% of the premiums they pay on qualifying group health plans and, by offering group health insurance as part of a total compensation package, you may be able to reduce payroll taxes. Plus, your employees can pay their portion of the monthly insurance premium with pre-tax dollars. You must consider these incentives when determining the affordability of a health insurance plan for your company.

  • How do I know if my company qualifies for group health insurance?
  • How are premiums typically split between the employer and the employee?
  • What are Section 125 POP Plans (Premium-Only-Plan)?
  • What is the Affordable Care Act? What is Health Care Reform?
  • What is the “Employer Mandate”?
  • Will I have to pay a penalty if I don’t provide my employees health insurance benefits?
  • What is a “Full-time Equivalent” (FTE) employee?
  • What does it mean for a health plan to be deemed “affordable”?
  • What is “Minimum Value”?
  • What is the penalty if Employers do not offer coverage at all?
  • What is the penalty if Employers offer coverage, but is not “affordable”?
  • Who can I contact if I have questions?
  • What are Section 125 POP Plans (Premium-Only-Plan)?

Full-time Equivalent (FTE) Employee Calculator

Use the Full-Time Equivalent Employee (FTE) calculator below to count the number of FTEs you have and see if you will be required to offer health insurance to your employees.

Total Full-time equivalent employees:

This calculator is for illustrative purposes only. Always consult a tax advisor before implementing any final decisions regarding your health insurance benefits.

Partner With ChooseMyPlan


We help you evaluate the major insurance carriers in your area on plan designs and cost.


Our strategic renewal process starts 90-120 days prior to your renewal date to ensure the plan remains relevant to your company’s needs.


We make sure your company is compliant with the Affordable Care Act to avoid penalties or receive credits.