Group Health Insurance Plans FAQs

How many employees do I need to begin a health insurance plan?

Group plans may be written with two eligible full time (30 hours or more) employees. At least one enrolled must be a W2, cannot be owner or spouse of owner.

How much does my company have to put towards employee premiums?

Most carriers require the employer to pay at least 50% of the employee portion of health insurance premiums.

Are employers required to pay for dependent coverage?

Employers are not required to pay for dependent coverage; however, the employees’ share of their premium, plus dependents’, is typically unaffordable.  The new “Family Glitch” ruling will help to eliminate this issue. 

How much is the average health insurance premium?

In 2022, the average health insurance premium for an individual is $6,000, a family of four is $21,000.

What if an employee is eligible for a Marketplace subsidy or Medicare?

We have licensed agents available to help with unique needs of each business, including but not limited to Medicare & Marketplace if a subsidized plan is available for the employee and their dependents.

Healthcare Savings Plans FAQs

Are Indigo plans Minimum Essential Covered ACA approved?

No, but many of the plans have telehealth services offered by primary care providers and specialists, vision and dental care, lab and prescription discounts, and mental health and well-being services.

What companies provide the services offered within Indigo plans?

Indigo works with well-known benefit aggregators, healthPerx and New Benefits. Companies that provide services offered within Indigo plans include Teledoc, Aetna Dental Access, Kepro Counseling, and Affinity Travel.

What are the costs of an Indigo plan?

Most plans vary from $34-$49 a month per employee depending on the unique needs of your employees.

Does the employee pay for services?

While some benefits are discounted, most healthcare services have a $0 copay.

When is the enrollment period?

Enrollments can be processed at any time. Unlike health insurance, the enrollment period for Indigo plans does not have to coincide with Annual Open Enrollment.

General FAQs

What services does Indigo Partners offer?

Indigo Partners offers comprehensive benefits evaluations and healthcare resources to growing companies and nonprofit organizations. Licensed agents present medical, dental, vision, life, and disability insurance plan options and guidance.

While Employee benefits are our specialty, we have spent years working with like-minded organizations that specialize in business services.  We have trusted partnerships for:

  • Payroll Services
  • HR Services (including but not limited to employee handbooks, recruiting, one-              time projects or audits)
  • 401K
  • Workers’ Compensation or Business Liability Insurance
  • Credit Card Processing

Should you require assistance with any of these services, we would be happy to make an introduction.