Group Health Insurance Plans

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Health Insurance for Small Businesses in Oregon

A group health insurance plan helps employers to pay for healthcare expenses for themselves and for employees. They are designed to be a win-win for both the employer and employee, offering several tax advantages for employers as well as being more cost-effective for both employers and employees. Employees pay a lower premium than an individual health plan with similar coverage benefits.

Tax Benefits for your Business

Like any business expense, group health insurance accounts are tax-deductible. You can have the premium deducted from the employee’s check before state and federal are calculated and deducted, thereby increasing the employee’s “take-home” and lowering the amount of taxable income at the same time.

Employers should also note that the Affordable Care Act offers healthcare tax credits to offset some of the costs of insurance.

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