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of the Commonwealth of Pennsylvania

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    Learn About Insurance

    Business Insurance Needs

    Business Insurance Considerations

    Pennsylvania businesses have many and varied insurance needs. These include protecting the business itself, as well as covering employees through health and workers' compensation insurance.

    Business Provided Health Insurance

    Large Business

    Self-funded insurance plans are regulated by the United States Department of Labor and are subject to federal laws and regulations, including the Affordable Care Act. For more information on requirements for self-funded health insurance plans visit the U.S. Department of Labor Health Plans and Benefits page.

    Small Business

    Many small business owners choose to provide insurance for their employees. Pennsylvania defines small businesses as those with 50 or fewer full-time employees. Some states may use different limits, but Pennsylvania law reflects the federal maximum of 50 full-time employees. 

    Small Business Health Care Tax Credit

    Your business could qualify for the Small Business Health Care Tax Credit which is worth up to 50 percent of your contribution toward your employees' premiums for two consecutive tax years. To qualify, you must meet the following parameters:

    • ​​​Have fewer than 25 full-time employees;
    • The average employee salary for your business is roughly $50,000 per year or less;
    • You offer health insurance coverage to full-time employees through the SHOP Marketplace;​
    • You pay at least 50 percent of your full-time employee's premium costs.

    For more information on this credit, visit the Internal Revenue Service (IRS)

     

    Need More Help?

    For more help or to get answers to your insurance-related questions, our Consumer Services Bureau can help! Visit our Need Help page.