Ohio small business health insurance is only one aspect of conducting business that needs to be considered when trying to create a successful organization. Health insurance may not be a factor one directly connects to owning and running a small business, but it is one of the incentives of drawing in and retaining quality employees. With the cost of health care rising and becoming more difficult to obtain, a small business that can offer this important benefit just may have a better chance at creating a loyal, happy and productive employee.

Small business owners who want to offer their employees affordable insurance need to find ways to make it affordable for themselves. One of the most popular options is to use a group insurance plan. Every state has its own rules and regulations about what business qualifies for the type of policy, so one needs to look specifically at the stipulations the state of Ohio requires of its small business. In this state, the company must have fewer than 25 full time employees who make an average of less than $50,000 per worker.

Employers who offer an Ohio small business health insurance plan also have to pay at least 50% of their employees' total premiums. In Ohio, the state will issue the employer meeting these stipulations a tax credit. Business owners who use part time employees may still qualify for the tax credit. In addition, small businesses with less than ten employees making less than $25,000 per worker may also qualify for the full tax credit. However, a self-employed person with no employees does not qualify for group insurance.

Those who are self-employed may not qualify for the group plan, but they can receive a tax deduction of up to 80% of their premiums if they pay for their premiums themselves. One can also look to professional organizations to find out if he or she can use this affiliation to get discounted health insurance. One also has to consider whether his or her family is included in coverage as well as determine what forms of care such as dental, medical and vision he or she can afford.

Whether a group plan for a small company or an individual policy for the self-employed, Ohio small business health insurance needs to fit the needs of the company's dynamics and provide as much coverage for as little cost as possible. When employees do not have to worry about health care, they are much happier and can focus on productivity rather than how they will for pay medical bills or prescriptions should they or family members become ill. This is how insurance can help an organization become more successful and efficient.