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elaws - employment laws assistance for workers and small businesses - Health Benefits Advisor for Employers

Group Health Plan

Based on your response, your plan does not fit the definition of a group health plan under the federal law. However, state law requirements may apply to your plan. For more information visit the NAIC website.

If you are interested in establishing a group health plan through insurance, please see How to Protect Your Employees When Purchasing Health Insurance for some helpful hints.

As an employer you may also be interested in finding out information on some other types of health arrangements for your employees:

Note: FSAs and HRAs are generally considered group health plans subject to Title I of ERISA, and you may wish to revisit this Advisor once you have one in place.