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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Group insurance for one

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Are there any companies that would provide group insurance to a group of 1? I have my own home based business with myself as the only employee. I have a federal and state tax ID and a business license so it is legitimate?

A: Group health insurance is usually available on a guaranteed issue basis to employers of 2 or more, with at least one employee covered on the state unemployment insurance plan. In some cases this coverage is also available to one person businesses but none of these plans are available online so you must use a local resource (Chamber of Commerce or similar) or a pre-paid service like OnlineAdviser. See the details online on the health insurance page at The plan you originally asked about at is a group health insurance available on a non-medical basis but this is intended as supplemental rather than primary insurance. You should keep looking offline for the available alternatives, but be aware in advance that they are much more expensive.


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