Employer Health Plans

1234687It can be an intimidating process to look for an employer health policy… 

  • What can my budget get me?
  • How many carriers are out there?RJS and Associates, LLC
  • Can my employees keep their doctors?
  • How can I add dental and vision at an affordable rate?
  • What are the laws and regulations when offering health insurance?
  • How do I keep track of COBRA notices and make sure I stay in compliance?

RJS and Associates takes all the guesswork out of purchasing an employer health plan. We handle most of the administration and make sure YOU stay in compliance with the IRS and BOLI.


Small vs. Large Employer


There are many differences between a small and large employer and it is important to know where you fit. RJS and Associates Insurance Agents are licensed and trained to assist you in finding the RIGHT insurance policy for your companies needs. We also offer services to help keep you in compliance with not only the insurance carriers but the IRS and BOLI, and work with your CPA to avoid HEFTY IRS PENALTIES.

As always our services are FREE!

Insurance Company Differences

  • Large Employer
    • 50+ employees
    • Traditionally better rates
    • More Options
    • Richer Plan Designs
    • Rate Negotiations
    • Much More
  • Small Employer 
    • 2 to 49 employees
    • Oregon law prohibits owner + spouse ONLY policies. There must be at least 1 W-2 employee that is not a spouse to enroll .
    • Filed Rates – Rates are non-negotiable and are filed with the state annually. The rates are what they are.
    • Base and Buy up options are available – You may offer multiple plans to your employees and only need to contribute 50% of the baseline plan to be in compliance.
    • Payroll and other documents may be required upon enrollment.

IRS Differences

  • Large Employer 3 Pillars
    • 50+ FTE Employees
    • Full Time Equivalent (FTE) employees must be calculated to determine employer size. You must take all full time employees (30+ hours per week, average) add those employees to the part time employees (take all monthly hours of part time employees and divide by 120 to see part time – full time equivalent employees). Add full time and part time equivalent employees together to see your FTE #.  Click here for more information.
    • Must offer AFFORDABLE / MINIMAL ESSENTIAL COVERAGE or face large IRS penalties to all eligible employees and their dependents
    • Annual IRS reporting required. Not reporting will result in additional penalties
    • Do you own multiple businesses? You must add up all employees from all of your majority owner businesses and if they add up to the above (50 or 100 FTE) you are considered a large employer and must report and offer coverage.
    • And much much more. Please call our office for more information. 541-929-2788
  • Small Employer
    • 1-49 FTEsmall_business_health_care_tax_credit
    • IS NOT required to offer health insurance to employees
    • Employee notifications required
    • No reporting requirements
    • Small Employer Tax Credit available for those that qualify

Some of the Carriers we work with:carrier-collage

There are many associations that we partner with for industry specific business. Ask our office today if we can find one suited for you and your business!

Assistance and/or resources available for the following:

Employer Health Plans/ 
The HealthCare Reform / ACA / Afordable Care Act / OBAMA Care / Healthcare.gov / Cover Oregon / Oregon Health Plan / Oregon Healthy Kids 

Call:  541-929-2788 for assistance