FYI : Health insurance sold through membership organizations is not
the same as “Group rated Insurance”. It is basically the same as
calling a local independent agent in your area that reps several
companies and receiving a price quote. If you are a member of your
local Chamber of Commerce and seen their mail outs for insurance,
its not group rated insurance either.
Due to the complicated insurance laws, member based organizations
are not eligible to offer a true “group rate” to their members.
According to Ron Harder President of Jeweler’s Mutual and various
If you are looking for health benefits at a reduced amount the only
option that might apply is by using an employee leasing company.
With an employee leasing company your employees (you can include
yourself) you pay them what amounts to an administrative fee to pay
all your employees and pay all your employment taxes via a “lease
payment”. Since your “employees” work for the leasing company, they
are eligible for the “group insurance” that the leasing company may
have in place. Leasing companies all have different plans,options
If anyone has discovered alternative health insurance options,
Not trying to burst anyone’s bubble, but these are the facts.