Health Insurance For Groups of 1 to 3 employees
Unlike most other agencies, we will
write group health insurance for groups of 2 or 3 employees
Groups of 2 or 3 employees - We get calls just about every
day from "Mom & Pop" businesses looking for
group health insurance. Sometimes their might be as many
three employees total. Individual insurance is not an option
for them because of a preexisting condition.
Sadly, even though there are plenty of companies that will
permit groups of 2 or 3 employees, it is almost impossible
to find an agent who will write this business. Let me explain
Contrary to what you are thinking, health insurance companies
do not voluntarily choose to write small groups. One major
claim or even a few minor ones can wipe out any profit margins.
Since they must cover all preexisting conditions, they are
going to get stuck for all of the prescriptions, doctor
visits, testing and any future hospitalizations for those
conditions. Generally, it is just lousy business to write.
To keep the number of applications for small groups to
a minimum, the insurance carriers have come up with an ingenious
but simple method to discourage applications - they pay
agents next to nothing for writing them. A small group with
$2000 a month in premium might provide the agent with a
commission not quite large enough to take the family to
Burger King. Since time is money and so on, the agents will
not take the business.
We will, under certain circumstances, write a Florida group
health insurance plan for groups of 2 or 3 employees. We
write these plans for our customers as a curtesy. Call me
and I will give you details about how you can become one
of our clients.
Please call us at 800-986-4786 for
more information about these and other Florida small business
group health insurance plans.