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Nebraska Small Business Health Insurance

Located in the heart of America, Nebraska often goes un-noticed in the world of business. Its presence is beginning to increase, however. Besides hosting Trenton Agribusiness, the retail giant Wal-Mart has opened a regional distribution center in Nebraska, and the Union Pacific Railroad recently moved its corporate headquarters from St. Louis to Omaha. How does the small business owner fit in with this land of giants? Comfortably. In fact, small business growth was responsible for 69% of the net employment change in Nebraska between 1999-2000.

With such an increase in employees, small businesses need to think fast to keep them loyal. Health insurance is one benefit employees need. The state of Nebraska has helped small businesses out in this respect by enacting the Small Employer Health Insurance Availability Act, which allows at least 25 individuals to join together in order to purchase health insurance at a lower group rate. Consumer-driven health plans are also assisting the small business owner. Finally, insurance carriers are helping small businesses by offering plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Nebraska Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in Nebraska, products are available from the following:

• American Medical Security Life Insurance Company
  
  
• BlueCross BlueShield of Nebraska
  
  
• Celtic Insurance Company
  
  
• Golden Rule
  

Nebraska’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member. Minimum contribution or enrollment clauses may be in effect. Employees eligible for enrollment work 30 or more hours a week.

• Insurance carriers covering small businesses can charge higher group premiums due to health status, age, risk and family size, however there is a limit to the variation allowed. 

• The solo self-employed worker cannot enroll in a group plan, however she can deduct up to 100% of premiums paid on an individual plan on her taxes.

Request a free online quote for more information on Small Business solutions in Nebraska >>