Businesses with 1-4 Employees

In recent years, you've probably watched insurance costs go up and benefits go down. But now, through Lighthouse Benefit Exchange, you have a new alternative. 


Under the Affordable Care Act - often called ACA or Obamacare - businesses with 50 or fewer full-time equivalent employees are not required to offer group health insurance. If you're self employed -  or a business of one - you are considered a business but not an employer under the new law, so you can enroll in improved individual and family plans. If your business has at least two employees, you could choose to offer group or individual products through the private exchange, or a combination of both. Our experts will show you which option is best for you.


As of January 1, 2014, no health insurance company can turn you down because of pre-existing conditions, gender, profession, or how often you use your plan. You cannot be charged extra premium because of your health history and pre-existing conditions. Maternity are always covered. 


Under the new law, your employees might also qualify for tax subsidies to lower what they pay for private insurance through the private exchange. Subsidy amount is based on household income and family size. 

Related Information


  • Under ACA, a small business is defined as one with less than 50 full-time equivalent employees

  • A full-time equivalent (FTE) employee is one who is a true employee of your business who works at least 30 hours per week and 120 or more days per year

  • A small business is not required to offer health insurance to it's employees


  • Because you will not be charged a penalty for not offering health insurance to your employees, many small business will let employees shop for new individual and family policies instead


  • No health insurance company can turn you down or charge you extra for pre-existing conditions, claims, gender or profession. Pre-existing conditions are covered on all new plans


  • Under the new law, you can qualify for lower costs based on household income and family size on individual and family plans