If you currently insure your employees with a BlueCross plan, you can keep the coverage you have. If the coverage you offer your employees is considered affordable under the health care reform law and meets the minimum value set by the law, then your employees will not be eligible for financial help (savings on your premium or out-of-pocket costs) if they buy their own coverage from the Marketplace.
Small business owners can fall into the grandfathered or non-grandfathered segments:
- If you have a grandfathered plan, you don’t need to do anything right now to continue with the same benefits that you and your employees are currently enjoying. If you have a grandfathered small business plan and you’re happy with your coverage, you do not need to make changes or use the Health Insurance Marketplace. There is no need to change from your grandfathered plan unless you’re sure it makes the most sense for you and your employees.
- If you have a non-grandfathered plan, we can help you find ways to continue to offer your employees coverage through a BlueCross plan. Contact one of our representatives to help you select the best coverage for your budget.
1-800-832-1845 Ext. 41010, 8:30am – 5:30pm EST, Monday - Friday.