Amerus Financial Group Blog

 Small business health insurance options: a complete guide for 2026 Navigating health insurance options as a small business owner has become increasingly complex, yet more crucial than ever for attracting and retaining quality employees. With healthcare costs continuing to rise and regulatory changes evolving, understanding your options is essential for making informed decisions that benefit both your business and your workforce. This comprehensive guide explores the various health insurance solutions available to small businesses in 2026, helping you choose the best coverage for your unique needs. Understanding Small Business Health Insurance Basics Small business health insurance refers to group health coverage designed specifically for companies with fewer than 50 employees. Unlike individual insurance plans, group coverage typically offers better rates and more comprehensive benefits due to risk pooling among employees. The Affordable Care Act (ACA) has significantly shaped th...

Navigating Health Insurance Options After Leaving a Job Leaving your job can be both liberating and overwhelming, especially when it comes to maintaining your health insurance coverage. Whether you've quit, been laid off, or are transitioning between careers, understanding your health insurance options is crucial for avoiding coverage gaps that could leave you financially vulnerable. The good news is that you have several paths forward, each with distinct advantages and considerations. From COBRA continuation coverage to marketplace plans and short-term insurance, the landscape of post-employment health insurance has evolved significantly to provide more flexible and accessible options for workers in transition. Understanding COBRA Coverage: Your First Safety Net The Consolidated Omnibus Budget Reconciliation Act (COBRA) serves as your primary safety net when leaving employer-sponsored health insurance. This federal law allows you to continue your existing health plan for up to 18 ...