Oregon Health Insurance

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If you are a small business owner, you may be concerned about Oregon health insurance. Approximately 60% of all Americans have some type of health insurance through their employer. If you would like to offer Oregon health insurance to your employees, but are concerned about the price, please know that it is possible to find affordable health insurance plans.

Because you have a small business with fewer employees, it may seem that any type of health insurance plan you can set up will have higher premiums. After all, unlike a larger company, you do not have as many employees to help spread out the cost. Insurance companies usually categorize a small business as one that has between 2 and 50 employees although that number can go up to 250 in some cases.

You can purchase group health insurance directly from an insurance company. Because it is group insurance, the premiums should be lower. Your employees will not be required to take a physical or fill out any forms with regards to their past medical history. The insurance company will let you know all the information you need to collect to set up the Oregon health insurance policy, but usually it just consists of employee name, date of birth, and zip code. If purchasing group insurance from an insurance company is still too costly, check with the local chamber of commerce. As a small business owner, they may be able to help your employees join a larger pool of group insurance policyholders to help bring the costs down even further.

Another alternative is to check with the state insurance department. They may be able to help you find purchasing pools within your local area or even one that covers the entire state.

If you look around and ask for help from the right organizations and departments, you should be able to find Oregon health insurance that can benefit your employees.

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