How Do I Get Small Business Health Insurance Quotes

Small Business

How Do I Get Small Business Health Insurance Quotes

Published on September 20, 2017

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How do you get small business health insurance quotes?

If you’re in the market for a small business health insurance plan, there are three things you should know about getting quotes:

  • You’ll pay the same price for the same plan no matter where you buy
  • Comparing quotes for different plans can save you money, and
  • Online quotes are subject to change

Let’s look at each of these in more detail:
First, you should know that health insurance prices are filed with state authorities each year, and nobody is allowed sell a health insurance plan for a price that is different from the officially filed price.  So you’re going to pay the same price for the same plan, no matter where you buy it.
That means you won’t get a discount if you buy directly from the insurance company, for example.
If you buy through a licensed agent you get personal help and advice for the life of your coverage – at no additional cost to you.
Second, you should compare quotes from multiple insurance companies and multiple plans. The only way you’re going to find the best match for your needs and budget is to shop around.
Licensed agents can typically show you quotes from different insurers in your area.
Third, while you should start by looking for quotes online, you need to know that the final premium you’ll pay may change based on your final employee count and other factors specific to your situation.
Many small businesses also adjust the deductible and copayment options for plans they’re considering, in order to make monthly premiums more affordable.
So, start with online quotes, but work with a licensed agent to refine those quotes and get a better idea of what your final costs may be.
To learn more about your small business health insurance options today, visit eHealth.com.

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