Group Health Insurance in Cerritos, CA

Maintaining your health and wellness may require access to various services and products, which may often impose significant costs. Fortunately, a suitable group health insurance plan can help you and your family limit out-of-pocket costs for essential medical care. However, group health coverage can be complicated and nuanced. At Mikel's Insurance Services, we can help you understand these policies and retain coverage that is appropriate for your needs.

What Is Employer Group Health Insurance?

Group health insurance plans are most commonly offered through your employer. Businesses can establish and maintain these policies as part of their employee benefits packages, often including several options, such as varying deductibles. Group health insurance policies available through your workplace may offer various benefits, including lower premiums than you might find shopping on your own through the Health Insurance Marketplace. This is because group health plans distribute risk across members, allowing carriers to charge less to each enrollee.

Can I Get Group Health Coverage Without an Employer?

In most cases, you’ll need to get group health insurance through your employer. These plans are not typically available to sole proprietors, retirees or self-employed individuals. However, there may be limited situations in which you may be eligible for coverage. For example, membership organizations associated with a specific trade or occupation may offer their own group health insurance plans. A qualified health insurance professional can help you understand and explore such options.

How Much Is Group Health Insurance?

Group health insurance premiums can be influenced by a multitude of criteria. Your own personal details, as well as those of your coworkers and fellow enrollees, may impact rates. Specifically, the following factors may be considered:

• Industry
• Where employees live
• Workforce size
• Employees’ and dependents’ agents
• Health plan tier (e.g., bronze, silver gold or platinum)
• Enrollees’ tobacco usage habits
• Type of plan (e.g., health maintenance organization or high-deductible health plan)

We’re Here to Help

Contact Mikel's Insurance Services in Cerritos, CA, today to learn more about group health insurance.