According to the Kentucky small business profile, 97 percent
of total firms were small firms as of 2004.
Women also represent roughly 31.4 percent of the self-employed in
Kentucky Health Plan One can help you business find plans under Aetna Health Insurance,
Anthem, Humana, and Golden Rule. Enter
your zip code above and select “Small Business Group” to find a quote in your
Small business plans in Kentucky are offered to companies
who have two to 50 full time employees.
Full time employees are those who work at least 30 hours a week and who
are not seasonal. In addition, a least
50 percent of the company must be insured by the group plan. Underwriting is allowed in Kentucky and
therefore the flat rate monthly premium of the group depends on the health
history of each individual employee.
Talking to your employees to determine the type of health plan you will
get is important to assess their health history and their needs for health
Aetna offers the Personal Health Record which allows
employers 24/7 access to find out their employee’s health background which
includes a record of all claims. Anthem offers
EmployerAccess, an online benefit management system which allows employers to
manage their employee’s benefits and access their information while viewing and
paying bills online.
For more information about Aetna’s plans and rates, visit
Health Insurance page.
For more information on Anthem’s plans and rates, visit out Anthem Health
Humana offers a similar program, called the Employee
Assistance Program (EAP) to small businesses in Kentucky. This program provides 24/7 telephone access
to speak with a representative and receive health information and advice. The EAP also offers the option of three
face-to-face assessments per unique issue along with six face-to-face short
counseling sessions per unique issue. The amount of visits per year may vary
For more information about Humana’s plans and rates, visit
Offering health insurance for your employees may seem like a
large financial responsibility. However,
there are many benefits in offering the health insurance incentive. Not only does your company decrease employee
turnover, it maintains and retains your best employees. Also, according to a UnitedHealthcare survey
and analysis of employees who were insured by their company and had
consumer-driven health plans (Health Savings Accounts), there was a 22 percent
decrease in hospitalization and a 14 percent decrease in emergency room
Health Savings Accounts (HSA) encourage employees to manage
their health care money and take responsibility for their health by living a
healthier lifestyle. Health Savings Accounts
were introduced to the health insurance market in December 2003 and follow the
employee whether they switch jobs or they move to a different state.
For more information about UnitedHealthOne insurance rates,
visit our Golden
Rule Health Insurance page.
Call 877-567-5267 to speak with our trained
health insurance specialists and receive a quote.