How many employees do you need for group health insurance in Louisiana?

In Louisiana, the number of employees a business must have in order to offer group health insurance can vary depending on the insurance carrier and the type of plan. Some carriers may have minimum participation requirements, meaning a certain percentage of employees must enroll in the plan for it to be offered. Other carriers may have minimum contribution requirements, which stipulate that a certain number of employees must participate in order to qualify for group rates.

However, it is important to note that there is no minimum number of employees required by law in Louisiana for employers to offer group health insurance to their employees. The Affordable Care Act (ACA) employer mandate, which requires employers with 50 or more full-time employees (or a combination of full-time and part-time employees that is equivalent to 50 full-time employees) to offer health insurance to their employees or pay a penalty, does not apply to Louisiana. This means that employers in Louisiana are not required to offer health insurance to their employees, regardless of how many employees they have.

It is important to consult with an insurance carrier or broker to understand the specific requirements for offering group health insurance in Louisiana and what options are available for your business. Some employer may decide to offer health insurance to attract and retain employees, even if it is not legally required.

In summary, the number of employees required for group health insurance in Louisiana can vary depending on the insurance carrier and type of plan. However, there is no minimum number of employees required by law in Louisiana for employers to offer group health insurance to their employees. Employers in Louisiana are not required to offer health insurance to their employees, regardless of how many employees they have.