If you own your own small business, then you may not have health insurance coverage. For companies with two to 50 full-time employees, you may be able to qualify for a small business health insurance policy. In some states, such as Florida, even one-employee small business owners can qualify for a small business health insurance plan. Find out the steps you need to take to qualify for a small business health insurance plan.

Shop and compare plan options. Contact at least three health insurance companies that offer small business health insurance plans. You can contact the insurance commissioner for your state to obtain a list of insurance carriers offering these types of policies.

Choose the insurance provider. Contrast and compare the options. Make sure to review more than what the monthly premium amount is. Look at the total out-of-pocket expenses per year, what the co-insurance coverage amount is, co-payment amounts and the types of health services that are covered. If you do not understand something, contact the insurance carrier and have a representative explain it to you until you fully understand

Submit the health insurance application. Once you choose a health insurance provider, obtain, complete and submit the application to establish a small business health insurance plan. Generally, you need to have the name of the business, business structure, business address, number of full-time employees on the payroll and the business contact phone number to complete the application.
Provide enrollment forms to the employees. Each employee who opts to participate in the plan must also complete their own individual or family enrollment forms. You can obtain these forms from the insurance carrier, collect and submit them back to the insurance carrier.

Pay the premiums. Most policies require an up-front payment to cover the premiums for the first month of the policy. If you are paying some or all of the employee premiums, then this comes out of the business account. If you are deducting the amount from employee paychecks, you can pay up-front and then deduct according to payroll deductions.