July 22, 2018
404-575-1960

Group Health Plan Requirements

  1. Group Health Plans are for the full-time (FT) employees of a single business.
  2. Full-Time (FT) is defined as regularly working at least 30 hours/week. The employer has the option to change the definition of FT to 20 hours/week in order to make more employees eligible.
  3. A minimum of two employees (owners included) must enroll in the medical coverage.
  4. A husband and wife count as one employee, there must be at least one other FT employee enrolling.
  5. The plan must be offered to all FT employees. Eligible employees may decline the medical plan by signing a waiver acknowledging that it was offered to them – as long as a minimum of two employees (including owners) enroll in the medical coverage.
  6. The employer must pay a minimum of 50% of each employee’s premium – not dependents. The employer’s 50% portion usually ranges between $200 – $400 per employee per month. Many employers pay more than 50% to ensure that an employee enrolls. Employee’s total cost depends on the medical plan chosen by the employer; usual range is $400 – $800/month based on each employee’s age.

We suggest starting with a complimentary phone conversation to confirm that the Group Requirements can be met before engaging our Group Advisory Service.

Group Plan FAQ’s
Group Health Plan Advisory Service
Group Employee Census Form