Small Businesses Start Here

Avenue H makes insurance easy and affordable

As an employer, the ability to offer your employees health insurance helps recruit and retain the best talent. Your employees are healthier, happier and more productive. Providing health insurance through Avenue H not only gives you financial control of your business but allows your employees to choose from a wide variety of quality health care plans.

Avenue H provides:

Convenience: One stop shop for Medical, Dental and Health Savings Accounts in one monthly invoice; all within a secure online system.

Employee Choice: Offer your employees quality health plans provided by local, private health insurance companies. All plans offered on Avenue H meet the requirements of essential health benefits.

Simplified: Employees can compare multiple health plan benefits, premiums and network side by side.

Controllable Cost: Decide how much you can afford to contribute using our flexible Defined Contribution approach.  There are no additional fees to participate; the plans and premiums are the same as buying direct from the insurer.

Open Year Round: You can register your business any time throughout the year.

Enrollment is easy; follow these steps to enroll with Avenue H.

 

Am I Eligible?

To join Avenue H, groups must meet the following criteria:

  • You must have at least 1-50 eligible employees
    • An "eligible employee" is someone who works 30+ hours per week
      • Group size count is determined by full-time equivalent (FTE)
  • At least 50% of enrolling employees must live in Utah
  • At least 75% of eligible employees must enroll or have other coverage through a spouse/parent, government program or individual policy.
  • Employers must also have a 125 Premium Only Plan 

If you are a sole proprietor, options for coverage through a marketplace are available at Healthcare.gov.

Find a Broker

We understand that shopping for health insurance can be complicated, which is why we have credentialed Brokers who can help you with the process at no cost to you. If you currently work with a Broker, check to see if they are credentialed or find one that is on our Broker Search Tool.

Get a Quote

Use our online tool to see medical and dental rates and plans available to employees on Avenue H and to obtain a quote for for your group. 

Access the Quote Tool

Register Your Business

Registration on Avenue H takes place entirely online.

FTE Calculator To determine the number of full-time equivalent employees
Create An Account Create an online account with Avenue H to establish a secure login.
Log In To your account to complete the registration or administer your group.

Here are the tools that will assist you in the registration and enrollment process:

New Groups Getting Started

Small Business Registration Checklist

Obtaining a Quarterly Wage and Tax Form

New Groups Required Documentation

Defined Contribution Options

Tax Savings for Employee

 

The final step of registration is to provide your banking information prior to enrollment using the Invoicing and Payment link on the secure portal. 

Key Dates:

For new business, you must complete the registration process no later than the 10th of the month prior to the month of coverage. Employees will have until the 15th of month prior to the groups' effective date to enroll.

For example, a group that registers for Avenue H on November 29th will have its open enrollment period Dec. 1st - 15th, and its coverage would begin January 1.

Invoicing and Payment

With Avenue H, you only have to worry about paying one combined invoice, rather than several. We pay the carriers on your behalf.

You can elect to make payment via ACH, credit card or debit card. There are no additional fees when using ACH as the payment method. However, there is a 4.25% convenience fee when using a debit or credit card as the payment method.

Monthly Invoice Process:

All premiums are due prior to the month of coverage. Employers are invoiced around the 21st of each month (shortly after open enrollment closes for new groups), payment is due on or about the 26th.

Small Employer Premium Tax Credit

Available only on Avenue H, small employers who offer insurance can qualify for a tax credit of up to 50% of the premiums they paid toward their employees' health care. To qualify, a company must meet the following criteria:

  • Must have fewer than 25 full-time equivalent employees
  • Must pay an average wage of less than $50,000 (excluding owner's wages)
  • Must contribute at least half of the premium of an employee-only plan for each employee
  • If your tax-exempt organization has no taxable income, you may be eligible to receive the credit as a refund, so long as it does not exceed your income tax withholding and Medicare tax liability.
  • More information about the credit is available on the IRS website. General information about the small employer tax credit is available on the IRS's Taxpayer Advocate site.

Use this Small Business Tax Credit Calculator to determine how much you could qualify for if you meet the above criteria.

Ongoing Administration

Existing groups

Avenue H not only handles your initial enrollment but we also handle ongoing processes for New Hires, Qualified Life Events, Terminations and Annual Renewal. You’ll be able to do all of these functions online in the same system.

Login to the Enrollment System using your administrator access.

Life Events Processing 

Domestic Partners Affidavit 

Renewing Group Enrollment Checklist for Employees

Common Questions

 

 

To see news related to Small Businesses and Avenue H, click here. For an Employer Enrollment Packet that is easy to download and print, click here.

Questions?

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