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Ask HN: How do we buy US health insurance for a remote team?
Everybody on our four-person team is a US citizen working from home; each of us resides in a different state. (CA, MI, MA, NY)
We're trying to buy group health insurance for our team, but we can't find any way to do it. All of the health insurance companies we've tried to contact require that we have at least 51% of our employees in that state. They literally won't take our money.
Does anybody know anybody who has solved a problem like this? What do we do? Whom can we call?
- dangrossman 11y agoHave your employees purchase their own insurance and reimburse them. The federal (healthcare.gov) and state marketplaces have made comparison shopping and enrolling little harder than buying something on Amazon.
- codegeek 11y agoOne disadvantage to the employer is that the premiums will be higher for individual plans vs. group plans. So the employer will have to pay more for each employee.
- dfabulich 11y agoThen we can't reimburse on a pre-tax basis. :-( http://www.irs.gov/Affordable-Care-Act/Employer-Health-Care-Arrangements http://www.irs.gov/Affordable-Care-Act/Employer-Health-Care-... (Plus the premiums are higher.)
- caw 11y agoNot sure what the minimum number of required employees is or how much extra this costs per employee, but there's payroll services like Oasis and Trinet that offer insurance in addition to their payroll.
- bullcity 11y agoI'm currently researching this as well. The healthcare marketplace has a small selection of multi-state plans. https://www.healthcare.gov/small-businesses/provide-shop-coverage/business-in-more-than-one-state/ https://www.healthcare.gov/small-businesses/provide-shop-cov...