Does a small business owner have to provide health insurance to his employees?

Question

I'm starting my own business and I want to buy my family's health insurance through the business because they do some work for me. However, I do not want to offer it to my employees who are not in my immediate family. Are there any regulations against this. I just want to know before I proceed any further. Thanks.

p.s. I'm in Georgia, so any rules for that state would be most helpful, but help from anywhere would be great too.

Answer 1

based upon your situation,I think you should find something useful here.http://health-insurance.expert-tip.info/...

Answer 2

Yes, there are federal regulations against that. Specifically IRS Section 125, which technically you don't have to adopt, but then you wont get the tax benefits.   The bottom line is, if you offer a benefit to one of your employees, you must offer it to all employees in the same class. It prevents discrimination. See link below.

Don

http://mtnhealthinsurance.com

Answer 3

If you want to know the kind of insurances including health insurance you must do for your employees that is required by law in your state georgia the best person to ask are insurance brokers in the usa and/or georgia itself, they know what the regulations are for businesses and they can help you to get the best insurance companies to get coverages from and good prices for your insurance too, just search for 'insurance brokers usa' and/or 'insurance brokers georgia' with or without the quotes to get them on wwww.google.com or www.yahoo.com

Answer 4

i think you are cheap u have workers than not want to offer benifits cheap  just for your family how rude

Answer 5

Unless the State of Georgia requires companies to have health insurance (as Massachusetts does), then the answer is no, you do not have to offer your employees coverage.  But, if you buy insurance for your family through your business, other employees are bound to find out and give you a hard time over it.  Check with the State to find out what you are required to provide.

Answer 6

I'm not sure of the health insurance stipulations in Georgia. However, in Virginia it is fine to get health insurance through the company for just the owner and family and not include the employees.