Health insurance plans are paid pre-tax. This means they are calculated before Medicare and Social Security, as well as federal income taxes. This is often the largest single tax deduction allowed by the IRS. In addition to lower premiums, employees will also pay for their plan with pre-tax dollars.

There is a greater selection of insurance companies for group plans in Nevada. This gives you flexibility when starting a plan to choose a company that fits well with your demographic. You can also switch carriers at any time during the year. You do not have this option if you are on an individual insurance policy. Rates for group plans are also generally more stable from year to year. Increases are usually not as high at your renewal. Our office can help you find the best fit for your business or help you switch if you are unhappy with your current carrier.

Your plan will have more providers in-network. With a greater selection of PPO plans , your employees can enjoy more choices and freedom. Some plans also come with a national network. This can be a great option if you have employees that are working in other states. In addition, most insurance companies have a larger doctor list specifically designed for groups. We will help search for specific doctors in-network for your employee’s needs.

Each insurance company has its own requirements for how many employees must enroll. Depending on the insurance company, 50% to 75% of eligible employees must enroll into the small business health insurance plan. Employees with other credible coverage can be excluded from this count. Owners may enroll as long as they are taking a wage from the company. A W-2 or K-1 can prove this.

Coverage Options for Your Business

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Benefits of Small Group Plans:

Pre-Tax Savings

Health insurance plans are paid pre-tax.

This means they are calculated before Medicare and Social Security, as well as federal income taxes.
This is often the largest single tax deduction allowed by the IRS.
In addition to lower premiums, employees will also pay for their plan with pre-tax dollars.

More Policy Options

There is a greater selection of insurance companies for group plans in Nevada.

This gives you flexibility when starting a plan to choose a company that fits well with your demographic.
You can also switch carriers at any time during the year. You do not have this option if you are on an individual insurance policy.
Rates for group plans are also generally more stable from year to year. Increases are usually not as high at your renewal.

Our office can help you find the best fit for your business or help you switch if you are unhappy with your current carrier.

More Doctors

Your plan will have more providers in-network.

With a greater selection of PPO plans, your employees can enjoy more choices and freedom.
Some plans also come with a national network. This can be a great option if you have employees that are working in other states.
In addition, most insurance companies have a larger doctor list specifically designed for groups.

We will help search for specific doctors in-network for your employee’s needs.

Group Requirements:

Small Business Requirements

You may be eligible for a small business health insurance plan if:

There are 2 or more full-time W-2 employees.
You have a current Nevada state business license.
Your business filed a Quarterly Wage and Contribution Report last quarter.

Participation

Each insurance company has its own requirements for how many employees must enroll.

Depending on the insurance company, 50% to 75% of eligible employees must enroll into the small business health insurance plan. Employees with other credible coverage can be excluded from this count.
Owners may enroll as long as they are taking a wage from the company. A W-2 or K-1 can prove this.

Association Health Plans

Due to new regulations on health insurance, businesses in Nevada can enroll in association health plans.

Savings on these plans can be anywhere from 5% to 20% less a month.
While there are some differences, association plans are still considered fully qualified.
Your business will have to be part of each association to be eligible for the policy. This usually includes a fee, but the savings on your monthly premium will outweigh this.

Our brokers can determine if your business is eligible and quote every association plan.

We're A Full Service Insurance Brokerage

We Are Local

Our office is located right here in Reno and has been helping local clients for over 25 years. You can sit down with one of our brokers face to face with any questions you have.

No Cost

There are zero fees for our services. We do not charge our clients and your premium does not change if you go directly to the insurance company.

Personal Touch

Our brokers can explain your policy and any new changes to you and your employees in benefit meetings. We want to ensure all your employees fully understand how they policy will work.

Coverage Options

We work with every major insurance company. If you are unhappy with your current choice, we can help you switch and ensure that you do not miss your renewal deadline.

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