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Wednesday, July 10, 2013

Health Insurance for Small Employers and Their Employees 2013

July 9, 2013
WISCONSIN - Milwaukee Professionals Association LLC, All Hands on Deck, WE CAN, calls for underpinning small census tract and neighborhood businesses that are 1-50, we feel that the self-employed and Independent Contractor are also an employee and start with “1”.  The state of Wisconsin gives the number of 2-50.  We will seek information for the 2013 Affordable Health Care Summit, August 2-4, 2013, Milwaukee, WI.  In the meantime, when you visit the health exchange ask for clarification.  Do ask.


To help provide “information preparedness”, we are sharing the 2013 report that was filed by the Office of the Insurance Commissioner of Wisconsin, Ted Nickel.   It is entitled:  Health Insurance for Small Employers and Their Employees 2013.

Below is an Introduction, it is 49 pages, CLICK.

1.   Introduction (ch. 635, Wis. Stat., and ch. Ins 8, Wis. Adm. Code)

1.  Wisconsin small employers are not required by state law to offer employees health care benefits.   However, many small employers offer health benefits to their employees in order to attract and keep good employees. Small employer health insurance is available in Wisconsin from several insurers and managed care plans. This publication is meant to help small employers understand their options and to provide a comparison of premium rates available in the small employer health insurance marketplace.

A small employer is defined as one who employs at least 2 but not more than 50 employees in Wisconsin. State law defines an eligible employee is one who works on a permanent basis and has a normal work week of 30 or more hours. This includes a sole proprietor, a business owner, including the owner of a farm business, a partner of a partnership, and an independent contractor if these individuals are included as an employee under a health benefit plan of a small employer. The term does not include an employee who works on a temporary or substitute basis or less than 30 hours a week.

As the employer, you choose the health benefit plan that meets both your needs and your budget.  This may mean deciding which plan is worth the cost. For example, plans that allow you the most choices in doctors and hospitals also tend to cost more than plans that limit choices. Plans that help manage the care you receive usually cost you less, but employees give up some freedom of choice.


July 9, 2013


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