Small-business Q&A: Providing health insurance

Even the smallest business can qualify. Healthy Texas is designed to help small businesses that do not have health insurance benefits in the past 12 months to help. Eligible businesses that employ between two and 50 eligible employees (including owners) at least 30 hours per week, and 30 percent of those workers paid wages of $ 32,670 or less.

The employer must pay at least half of the employees monthly premiums and the employee is responsible for the deductible, co-insurance and co-pays. Healthy Texas offers several deductible choices. At least 60 percent of full-time workers without health insurance must enroll in the program.

The Healthy Texas registration process is easy and simple. An employer must contact one of the two participating providers, United Healthcare and Celtic Insurance, and submit a short verification form that determines eligibility and can generate a quote. The rates are determined solely by business premises and employees ages and sexes, and not by the medical history of employees.

Once an employer makes a decision about buying a healthy Texas plan, the employer completes a detailed application form.

For more information visit the TDI website at Texas Healthy healthytexasonline.com or call 1-800-252-3439. Or visit the website of one of the participating vendors, Celtic Insurance with United Healthcare on or myhealthytexas.com healthytexasuhc.com, for more information about available plans, what they cost and how to subscribe to learn.

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