Large Group Health Insurance Solutions

The Affordable Care Act mandates employers with 50 or more full-time equivalent employees to provide affordable health insurance to their employees, or pay a penalty. The large-employer mandate takes effect in 2016. Affordable means the employee's share of the premium cost for self-only coverage does not exceed 9.5 percent of his or her income. Employers have many health insurance choices with Blue Cross Blue Shield of Michigan.

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Glidepath for large employers

If you have 51 or more employees, you can establish a defined contribution plan (same dollar amount for all employees in a given job category) and allow employees to select how to spend their allotted employer-paid dollars from a variety of health insurance plans. Employees shop on a customized, employer-branded website, called a private exchange, to select  the health insurance option that suits their needs and budget. Employees may pay their share of the health premium through payroll deduction. Premium-only Section 125 plans can be established to allow employees to pay for their share of the premium using pre-tax dollars. This lowers their taxable income and your FICA taxes.

Large Group 2018 Product Overview:
Click here for complete benefits overview for all plans available in 2018.

Other Large Group Plans

Community BlueSM group plans offer top-quality benefits featuring low deductibles and out-of-pocket expenses. These plans meet the most demanding health insurance needs and are excellent for employers in competitive labor markets.

Simply BlueSM group plans meet your budget while savings your employees money. This family of products offers a traditional PPO plan and plans with health savings accounts or health reimbursement arrangements. The Simply BlueSM PPO HSA and Simply BlueSM HRA options are called consumer-directed health care plans and foster employee accountability for health care spending. Simply Blue Routine Care PPO silver and bronze plans cover preventive care at 100 percent and routine medical services with a co-payment and a multi-tier prescription drug plan.

Blue Care Network is the HMO option available from the Blues and offers a suite of HMO products. Although less popular in the dental community due to the plans' managed care philosophy, these plans may be a good alternative for some practices.

For assistance with large group health insurance plans, please call our health insurance department at 877- 906-9924 for a consultation.