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Can an employer offer small group medical coverage to a contract (1099) worker?
Typically insurers will allow a business to offer small group coverage only to owners or employees, however, there is one carrier that Claremont represents and the only one we know of, that permits a business to offer coverage to contract workers who are not on the payroll.
UnitedHealthcare allows businesses to offer coverage to 1099 workers. We know of many business types that rely on “1099” workers. This unique feature of UnitedHealthcare’s products can be a useful benefit for businesses looking to attract and retain valuable contributors who are not employees. Group benefits brokers should consider discussing this feature with clients and prospects. It may lead to more individuals being covered or to more businesses offering coverage.
There may be a more recent answer to this question. Contact Claremont for an update.