985-273-5822

SMALL BUSINESS HEALTH INSURANCE IN LOUISIANA

Get a personalized health insurance plan for your business. Call 985-273-5822

TAX CREDITS

If you’re a small business owner with 25 full-time employees or fewer, and pay an average salary less than or equal to $50,000 a year, you could qualify for a tax credit.

SELF FUNDED HEALTH INSURANCE

Self Funded Health Insurance works just like the major medical plans you are used to. To your employee, there is no difference.

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WE DO 100% OF THE WORK

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Small Business Health Insurance Plans And Tax Credits

If you’re a small business with 25 full-time employees or fewer, and pay an average salary less than or equal to $50,000 a year, you could qualify for a tax credit. We will check to see if you qualify and handle all the paperwork. 
 
The federal tax credit will reimburse qualifying small businesses for up to 50% of the premiums they pay towards employee medical, vision and dental insurance. Tax-exempt organizations may qualify for a tax credit of up to 35% of premium expenses.
 
Small businesses with less than 10 full-time employees that pay average annual wages of $25,000 or less may qualify for the full credit. The amount of the credit is reduced for businesses with more full-time workers and higher wages, until it is phased out entirely for those with 25 or more full-time workers and average annual wages over $50,000.
 
Because eligibility rules are based in part on the amount of full-time employees, not the total number of all employees, small businesses that use part-time help may be eligible even if they employ more than 25 persons.

Health Insurance Plans For Small Businesses In Louisiana

Self Funded Health Insurance works just like the major medical plans you are used to. To your employee, there is no difference. You get a set level premium that you pay each month as usual, however a portion of that premium goes into an escrow account each month. Your claims are paid out of the escrow account first, up to the stop limit. After that, the Insurance carrier covers you 100%.

Your only commitment is your monthly premium. And this plan is completely ACA coverage compliant. As a Bonus at the end of the year, a portion of the unused escrow money is refunded to the business, so overall it becomes even cheaper if you have a healthy year.

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We work for YOU… Not the Insurance companies

Review From Happy Health Insurance Clients In Louisiana

We’re here for one reason and one reason only. To help small businesses save 1,000s on health insurance that is affordable and takes care of your needs. Our customer’s were astonished when they realized the amount they were saving per month by switching to healthcare search. Please visit our Google My Business for reviews like the ones below.

Small Business Health Insurance Louisiana

Healthcare Search saved my small business over $400 monthly on health insurance. After switching to Healthcare Search, I can finally breath financially. I can’t thank you enough John, You’re amazing!

– Allison Lawless

Small Business Health Insurance Louisiana

At first we were skeptical about meeting John to switch, but after he worked with us to get down to the bottom of what we were spending for our household, we ended up saving $622 a month on health insurance. I’m so happy my husband and I took the leap to meet with you!

– Lisa Devans

Benefits Of Self Funded Small Business Health Insurance

  • Lower Premium
  • Underwritten to reduce cost even further
  • A portion of year-end escrow funds are refunded.
  • Works exactly like major medical plans from other carriers such as Blue cross
  • Preventative Care Covered 100%
  • Open Network allows you to choose any Doctor or Hospital
  • All plans Use CIGNA Pharmacy network
  • Telemedicine, Teledoc, included for free with Open Network
  • Healthcare Bluebook included to help your employees manage their cost.

SMALL BUSINESS HEALTH INSURANCE

At Healthcare Search we find the plan that serves your small to medium business, your employees, and create a sustainable model that allows you to focus on your business, not your expenses.

Why Choose Us

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Experienced Insurance Agents

Our health insurance agents search across dozens of plans for the best plan and deal for your so you save every penny possible. 

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Short Wait Times

Give us a call and an insurance agent should answer almost immediately to help you get started. 

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Over 20 Years in Business

We know the ins and outs of the health insurance industry and can save almost anyone money on their monthly bill. Give us a call for a Free quote.

Frequently Asked Questions About Small Business Health Insurance

How many employees do you need for small business health insurance?

To be eligible for small business health insurance, a company must have between one and 50 employees. That is considered a small business for purposes of purchasing group health insurance. If you have more than 50 employees, you’ll need to: apply for large group coverage.

Do small businesses have to pay for health insurance?

Technically, no business has to offer health insurance to their employees. However, under the Affordable Care Act (ACA), larger businesses with 50+ FTE employees will receive a tax penalty of $3,860 per employee if they do not offer health insurance.

How much is health insurance for a small business owner?

The average per-person premium for small group health insurance was $409 per month in 2018, compared to $440 for an individual plan. Small group health plans had an average deductible of $3,140 per year, compared to $4,578 for individual plans.

How many employees do you need to get group health insurance?

Three to Sixteen Employees. Group health insurance is also a great strategy for attracting and retaining employees, and often small business owners need coverage for their own families. Even if you only have a couple of employees right now, providing employee benefits may actually help you grow your business in the future.

According to a recent eHealth study, the average per-person costs of small business health insurance are lower compared to individual health insurance. The average premium per-person through a small business plan was 7 percent lower than the average premium for an individual plan in 2018.

Are tax credits available to pay for employee health insurance?

The goal of the ACA is to insure more people and thus help small businesses. Part of that effort is tax assistance aimed at encouraging small businesses to get employees health insurance. Employers with fewer than 25 workers may be eligible for a tax credit of up to 50% of their premiums. The excess cost not covered by the credit is a legitimate small business deduction. If a small business doesn’t owe any tax for a year, it can carry the credit over. There are requirements, and we can help you there of course, but determining eligibility is quick and you can estimate your savings with HealthCare.Gov’s tax credit calculator.

Same Day Quotes Available

  • Lower Monthly Cost compared to traditional plans
  • Comprehensive coverage – Doctor visits, Hospital, Critical Illness
  • Prescription Benefits
  • 24/7 Access to Doctors online for non-emergency Care – FREE
  • Large Network – Over 4000 Providers
  • Out Of Pocket Protect to help with Deductibles
  • Accident coverage
  • Choose Any Doctor

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