According to the Wisconsin Office of the Commissioner of Insurance (OCI), Wisconsin small employers are not required by law to offer health care benefits; however, many do offer employee health benefits so they can attract and keep good employees.
Health Insurance for Small Employers and Their Employees: This OCI guide provides information on the Small Employer Health Insurance Law and contains listings of insurers offering coverage to small businesses, with monthly new business premium rates for three hypothetical groups.
Working with an agent
If you are trying to decide whether to work with an insurance agent or to contact the insurance companies directly, keep in mind that some insurance companies only work through agents/brokers while some agents only offer insurance for one or two insurance companies. If you decide to work with one or more agents, check the National Association of Insurance Commissioners' database to be sure their licenses are currently active.
More information from the Wisconsin Office of the Commissioner of Insurance
- Health Insurance for Small Employers and Their Employees (PDF): Discusses the Small Employer Health Insurance Law and contains monthly new business premium rates
- Consumer's Guide to Insurance for Small Business Owners (PDF): Provides information about business, worker's compensation, health, and auto insurance.
- Small Employer Uniform Employee Application for Group Health Insurance (PDF)
Health spending accounts
There are several types of accounts that employers can provide to their employees to help pay for health care expenses not covered by a health plan. These include Flexible Spending Accounts, Medical Savings Accounts, and Health Reimbursement Arrangements. Information on these types of accounts is available.