Businesses With 1099 Workers
If your business has a mixture of W-2 employees and 1099 workers, you may have group health insurance options you did not know were available.
Alabama Health Solutions can review your workforce structure and help determine what group health options may be available to your business.
For Alabama businesses with W-2 employees and independent contractors.
Have a Mixture of W-2 and 1099 Workers?
Many businesses do not have a traditional workforce made up entirely of W-2 employees.
Cleaning companies, home care businesses, contractors, service companies, transportation businesses, and many other employers may use a combination of W-2 employees and 1099 independent contractors.
If that sounds like your business, do not automatically assume group health insurance is unavailable.
There may be options worth reviewing.
Let's Start With Your Workforce
W-2 Employees
Your business has at least one traditional W-2 employee.
1099 Workers
Your business also uses independent contractors or other 1099 workers.
Looking for Health Coverage
You want to see whether group health insurance may be available for more of your workforce.
Eligibility depends on the business, workforce structure, carrier, plan, and applicable requirements. We can review your situation before asking you to complete a full census.
Built for the Way Many Alabama Businesses Actually Operate
Businesses with 1099 workers and W-2 employees show up across many industries. A few common examples include:
These examples are for illustration only. No industry automatically qualifies, and eligibility is always reviewed based on the individual business and workforce.
See What Options Your Business May Have
You do not need to complete a full employee census just to start the conversation.
Frequently Asked Questions
Can a business with W-2 and 1099 workers offer group health insurance?
It may be possible. A business that has a mixture of W-2 employees and 1099 workers may have group health insurance options depending on the workforce structure, the carrier, the plan and applicable eligibility requirements. Alabama Health Solutions can review your situation before you complete a full census.
Can 1099 workers be included in a company health insurance plan?
In some situations, 1099 workers or independent contractors may be able to be included in a company health insurance plan. Whether that is available depends on the carrier, the plan and the applicable requirements. Let us review your workforce structure to see what options may be available.
What if most of my staff are 1099 workers?
Even when most of your staff are 1099 workers, there may still be group health insurance options worth reviewing. Eligibility depends on the business, the workforce structure, the carrier and the plan. We can help you understand what may be available before you move forward.
What if I only have a small number of W-2 employees?
A business with a small number of W-2 employees may still have options. The number of W-2 employees, the 1099 workers and the overall workforce structure all play a role. Let us review your business to see what group health options may be available.
I have what I call 1099 employees. Can my business still look at group health insurance?
Many business owners refer to their independent contractors as 1099 employees. Independent contractors are not W-2 employees, but that does not automatically mean group health insurance is unavailable. Depending on your workforce structure and the applicable requirements, there may be options worth reviewing. Let us take a look before you assume anything.
Eligibility for group health insurance depends on the business, workforce structure, carrier, plan, and applicable requirements. Nothing on this page is a guarantee of coverage or eligibility.