Small Business



Get answers to your health care coverage questions.

What is Access Health CT Small Business?

Access Health CT Small Business is Connecticut’s official health insurance marketplace for small businesses, established to satisfy the requirements of the federal Affordable Care Act (ACA). Our goal is to lower costs, promote health, and eliminate obstacles to getting health care coverage for employees of small businesses.

What happens if I don’t offer coverage to my employees?

If you have fewer than 50 full-time equivalent employees, you are not required to offer coverage and there is no penalty for not offering coverage. (Your employees can get health care coverage from Access Health CT’s individual marketplace if they choose to.) However, Access Health CT Small Business can help you find an affordable solution so that you can offer health care coverage to your employees.

If you have 50 or more full-time equivalent employees, you might have to pay penalties each year beginning in 2015 if you don’t offer coverage to virtually all of your full-time employees, or if the coverage offered doesn’t meet certain minimum standards.

Some of my employees don’t live in CT – is that a problem?

It depends in part on the carrier chosen. Encourage employees who don’t live in Connecticut to check the provider directories for the plans they are interested in to make sure they include doctors, hospitals, and other health care providers in their home state. These employees should also review each plan’s payment policies regarding out-of-network care.

What health insurance company offers small business coverage through AHCT?

We’re happy to offer you a choice of plans through:

  • Anthem (medical coverage and dental coverage)
What kind of plan choices can I offer my employees?

There are four basic categories of coverage offered through Access Health CT Small Business– Platinum, Gold, Silver and Bronze. Different plan categories will cover different percentages of an individual’s medical expenses (see chart below). Health insurance plans that cover more expenses will typically have a higher monthly premium.

Plan Tier Expenses paid by plan Expenses paid by individual
Platinum 90% 10%
Gold 80% 20%
Silver 70% 30%
Bronze 60% 40%

Through Access Health CT Small Business you can offer plans from either a single insurance carrier covering all three categories, plans from multiple carriers covering only a single category, or even a single plan from a single carrier.

How does the small business tax credit work?

Small businesses that qualify may receive a tax credit worth up to 50% of their contribution to their employees’ premiums (up to 35% for qualifying non-profits). The small business tax credit will be available for two consecutive years.

To qualify, a small business must:

  • Have no more than 25 full-time-equivalent (FTE) employees
  • Contribute at least 50% of each employee’s insurance premium, or in the case of a tax-exempt small employer, 35% of each employee“s insurance premium.
  • Pay an average annual wage of less than $50,000 (as adjusted for inflation)

Independent contractors (including sole proprietors), partners in a partnership, shareholders of more than 2% of an “S” corporation and owners of more than 5% of other businesses (and family members of these owners) are not counted as employees and their incomes and hours worked are not factored into any calculations relating to the tax credit.

For more information, click here to see our Tax Savings Calculator.

How do I calculate the number of full-time-equivalent (FTE) employees I have for purposes of qualifying for the tax credit?

For purposes of qualifying for the small business tax credit, the number of FTE employees you have is generally based on the total hours that your employees put in, not the number of people you employ. You can calculate this number by first totaling the hours of service for which you pay wages to your employees. (Do not include any time worked over 2,080 hours by any employee when totaling the number of hours worked.) Then divide the total hours by 2,080 (2,080 is the number of hours worked in 40-hour work week for a single year), and round down to the nearest whole number.

When determining FTEs and average annual wages, don’t count seasonal employees – that is, those who work 120 or fewer days a year – and don’t count certain business owners (sole proprietors, shareholders of more than 2% of an “S” corporation and owners of more than 5% of other businesses), partners in a partnership, or the families of these business owners.

For more information, click here to see our Tax Savings Calculator.

Do the plans cover prescription drugs?

Our offered plans all include prescription drug coverage.

What businesses are eligible to use Access Health CT Small Business?

Access Health CT Small Business is open to all Connecticut-based small businesses that have at least 1 employee who is not a business owner or spouse of a business owner. The business cannot have more than 50 full-time equivalent employees. You must offer coverage to all of your full-time employees – generally those working 30 or more hours per week on average. Connect with one of our team members today to get a quote.

Can a husband and wife (only) business be considered eligible?

If the owners are husband and wife and the business has no other employees, then under the Affordable Care Act, the business will not qualify for participation in Access Health CT Small Business. However, these individuals could enroll in the individual marketplace as sole proprietors. Connect with one of our team members today to get a quote.

Is there a membership fee?

There are no membership fees associated with using Access Health CT Small Business.

How can Access Health CT Small Business help save money?

The health care coverage premiums for coverage offered through Access Health CT Small Business are competitive, and you may qualify for additional tax credits not available outside of Access Health CT Small Business. This applies to both for-profit and non-profit groups.

How many bills are sent if an employer offers multiple carriers to its employees?

Even if your employees choose plans with different coverage, you will receive only one simple bill. We take care of forwarding payment to the carrier.

How do I get a quote?

There are several ways you can get a quote:

When can a business enroll in Access Health CT Small Business?

We encourage enrollment by the 15th of the month. By enrolling by the 15th, coverage for the 1st day of the following month is guaranteed.

What information is needed in the enrollment process?

When you apply for coverage, you’ll need to provide some information about yourself and each of your eligible employees. Save time by gathering this information beforehand. You will need information such as employee birthdates, social security numbers, citizenship or immigration status, and tax documents.

How can I find a plan, apply, and enroll through Access Health CT Small Business?

There are several ways to enroll. You can apply online or meet with an insurance broker face-to-face. You can get help from insurance brokers by accessing our Certified Broker listing on our home page. All enrollment help is free of charge.

Does using a broker add any cost to the process?

Absolutely not. If you do not have a broker, you can contact Access Health CT Small Business at 855-762-4928 for a list of our certified brokers.