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MA Small Businesses Health Insurance Quotes and Health Plan Options

aMA small business health insurance quotes
aHealth Savings Account (audio visual) presentation

Due to a strict regulatory environment, Massachusetts has higher than average small group health insurance costs as well as few if any affordable options for individuals and there is NO short-term medical coverage in the state as a result of the legislative environment.

Health Savings Account High deductible Health Plans usually are the best way to get the most coverage for the least cost in Massachusetts and elsewhere.

To make the high deductible plans more palatable to employees used to $10 and $20 office visit co-pays, HRAs or Health Reimbursement Arrangements can be used in addition to the high deductible plans. Employers can reimburse only those employees who incur medical expenses for certain expenses the employer specifies in the agreement and take a 100% deduction. The end result is the  employer can offer a richer plan for a fraction of the cost of a $10 or $20 co-pay plan and the employee enjoys the same or better coverage. 

Since many of these high deductible plans are qualified to be use with HSA accounts, the employee can in addition, set aside tax deductible contributions into his own Health Savings Account (HSA) and watch the money grow from year to year.

Once you've taken advantage of all the tax favorable plan designs to keep your net costs as low as possible, make sure your plan benefits and access to doctors is as broad as possible and there are as few exclusions and restrictions as possible. Here is a comparison of 4 quotes from 4 carriers for a small group in Massachusetts with out of area employees.

Another before and after scenario shows small group health insurance costs for a Fall River based business with 13 employees realized dramatic insurance cost savings and better coverage after meeting with Health Plan Specialists. Read more...

Finally although they are not the best value for the money,  this before and after profile shows it is even possible to get a much better deal on co-pay health insurance plans for small businesses in Massachusetts.