Insurance Agent Forum

[Delta76]

I came into a situation today that I haven't worked before. I'm doing a group plan for a 15 person travel agency, however, they have another 100 indepenedent contractors spread out all over the country with many asking about health insurance options. The company doesn't want to pay anything and they probably couldn't anyway to keep the employees under the 1099 status.

A group plan doesn't work. Any other suggestions? Should I just give each one a call and use the company as a reference? Given they're spreadout all over the country, I doubt a list bill would be practical, as there will be way too many different carriers given the geographical spread.

[moonlightandmargaritas]

Originally Posted by Delta76

I came into a situation today that I haven't worked before. I'm doing a group plan for a 15 person travel agency, however, they have another 100 indepenedent contractors spread out all over the country with many asking about health insurance options. The company doesn't want to pay anything and they probably couldn't anyway to keep the employees under the 1099 status.

A group plan doesn't work. Any other suggestions? Should I just give each one a call and use the company as a reference? Given they're spreadout all over the country, I doubt a list bill would be practical, as there will be way too many different carriers given the geographical spread.

You could do it for the 1099s with a defined contribution plan using IFPs in conjunction with a Section 105 HRA plan.

It won't work though, if the travel agency doesn't want to contribute anything.

[arnguy]

Geez, Delta, I'll take all the Pennsylvania 1099 contractors off your hands. Just send me the info.

[Preferred Insurance Servi]

I would recommend individual policies. If your agency isn't licensced all over the country, then maybe you could try to broker a deal with a larger agency or carrier. Or you can give it arnguy.

[Delta76]

Thanks for the responses. I figured there wasn't a magic bullet solution, but I wanted to bounce the question of some of you with way more experience than myself to make sure I'm not missing something.