Small business health insurance options for 2016

If you have a small business (1-50 employees), you're not required to offer your employees health insurance, but if  you do, you might qualify for tax credits.

Where to buy a health plan

If you have a small business with 1-50 employees, you have several options:

Small employer market - Any business with 1-50 employees can buy health insurance in the small employer market. You buy directly from an insurance company or from an insurance agent or broker.

Washington state’s Exchange - Small businesses also can choose a health plan through Washington Healthplanfinder Business (

Association health plans - Small businesses can buy health insurance through an association.

Don’t buy a health plan - You can decide to not buy group health insurance and let employees buy their own individual health plans.

Options if you're self-employed

Even if you’re self-employed, you might qualify to buy small group health insurance if:

  • You have been in business for at least one year;
  • In the previous tax year, you earned at least 75 percent of your income from the business (if your business income falls below 75 percent in a tax year, you’ll no longer qualify for small group insurance); and
  • You file an IRS Form 1040(C) or (F).

Updated 11/02/2015

See also

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