Ask HN: small startups, what do you use for health insurance?

Re:Ask HN: small startups, what do you use for health insura... by RudySF on Saturday December 10, 2011 @03:13PM (#3338381)

We're a small team of three (25, 28, 28) and the company pays for each person's individual plan with Anthem Blue Cross rather than a group plan which was more expensive for essentially the same coverage. It's about $200 per person per month.

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Re:Ask HN: small startups, what do you use for health insura... by mrkurt on Saturday December 10, 2011 @07:17PM (#3338881)

Be careful with that, since individual insurance can and will drop you when things go south. A group plan protects employees from that although rates will go way up if someone has a major health issue of some kind.

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Re:Ask HN: small startups, what do you use for health insura... by cullenking on Saturday December 10, 2011 @04:54PM (#3338602)

My understanding was this is not possible from a tax perspective? I thought you had to buy a group plan if you wanted the business to cover, except for HSA contributions. Relevant links would be appreciated, since this is the route I wanted to go down for my business partner and I (young, healthy no need for the safer group plan).

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Re:Ask HN: small startups, what do you use for health insura... by javahava on Saturday December 10, 2011 @03:59PM (#3338487)

wow that's incredible. what does the company chip-in/cover per month for each person? or is that included in the $200 cost per person per month that you mentioned? how much would it cost to cover a spouse/child? i've seen some plans from empire blue cross (i don't think anthem covers NYC), and it's nowhere near that low.

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