Group insurance can't cover your 1099 contractors and usually excludes anyone under 30 hours a week. A doctor membership has no eligibility rules: you can sponsor it for anyone you want, full-time, part-time or contract, at $135 a month per person on Long Island. For a business that runs on contractors, this is often the only way to offer a health benefit at all, and it's the kind of thing that keeps a good crew coming back.
| Group health plan | Upsurance membership | |
|---|---|---|
| Full-time W-2 | Yes | Yes |
| Part-time under 30 hrs | Usually excluded | Yes |
| 1099 contractors | Not allowed | Yes |
| Seasonal workers | Rarely | Yes, month to month |
| Owner / family | Depends on entity | Yes |
Pick a max per employee for a doctor and a dentist. The page shows which local practices fit.
They choose their own doctor and dentist from that list. No network cards, no claims.
Itemized per person. You pay what each person actually picked. Start or stop any month.
Paying for a benefit is one factor among many in worker classification, and it's your accountant's or attorney's call, not ours. Plenty of businesses sponsor memberships for contractors; we'd suggest documenting it as a vendor payment rather than a wage.
Yes. Doctor memberships are month to month. Add them in May, remove them in October.
Individuals can sign up on upsurance.co at retail prices, which are close to the employer price. You could also pay part and have them cover the rest.
You can choose to cover children through the pediatric option. Spouses can join as individuals.