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Home   >  Health Insurance Articles   >  Does My Employer Have To Offer Health Insurance?  

Does My Employer Have To Offer Health Insurance?

The fast answer here is no.  Group health insurance offered by your employer is simply a benefit and is not required by law.  That being said, many employers over 10 employees offer health insurance.  When companies get above 50 full-time employees, it is very common and somewhat surprising if they did not offer health insurance.  About 90% of employers over 50 employees offer coverage for their employees.   

Many companies also offer health insurance to their employees because it is a great way to attract talent.  Many employees these days demand that be a part of the compensation package.  Also, if someone decides to leave the company, they still have the opportunity to remain on the group health insurance plan through COBRA.

Employers are also required to contribute towards the monthly cost of the health insurance.  This sometimes makes the health insurance very affordable whereas without the contribution it would not be.  Also, group health insurance plans are usually more favorable to individual health insurance plans.  This is why the majority of Americans are on group health plans as opposed to individual health insurance plans. 

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