{"id":6833,"date":"2019-11-27T13:11:02","date_gmt":"2019-11-27T18:11:02","guid":{"rendered":"https:\/\/peakinsuranceadvisors.com\/?p=6833"},"modified":"2019-11-27T14:10:15","modified_gmt":"2019-11-27T19:10:15","slug":"ny-small-group-health-insurance-owner-only-guidelines-2","status":"publish","type":"post","link":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/","title":{"rendered":"NY Small Group Health Insurance Owner Only Guidelines"},"content":{"rendered":"

NY Small Group Health Insurance Owner Only Guidelines<\/h1>\n

All NY small group insurance carriers have updated their small group guidelines for businesses with only the owner and\/or the owner\u2019s spouse enrolling in the plan (aka Owner Only groups). All carriers will now require one common law employee enrolled for a group which has only 1 owner. They will allow for LLC, S and C corps with 2 or more owners to enroll only 1 owner if they are not husband and wife. This is the key to working on ways to qualify your small business for group health insurance, and we can help you get you coverage if you\u00a0contact us to request a quote.<\/a><\/p>\n

NY Small Group Health Insurance Owner Only Guidelines<\/h1>\n

\"Small<\/p>\n

There are new updates to NY Small Group Health Insurance Owner Only Guidelines that might affect your ability to maintain small group health insurance for your business.<\/p>\n

NY Department of Financial Services (DFS) has recently instructed health insurance carriers in NY State to abide by new guidance regarding the ongoing eligibility of OWNER ONLY health insurance groups. This guidance is being used to clarify what constitutes a small group under the Affordable Care Act (ACA) as well as the Employee Retirement Income Security Act (ERISA).<\/p>\n

This new\u00a0small group eligibility<\/a>\u00a0rule is to clarify that at least one common law employee must ENROLL into medical coverage in order to qualify for\u00a0small group health insurance<\/a>\u00a0when the sole enrollee is the ONLY business owner (100% shareholder). This aligns with the ERISA definition of employer sponsored group health insurance coverage and clarifies that a group may NOT consist of only a sole business owner. To qualify for group health insurance, there must be at least one enrolling employee who meets the common law employee definition under federal rules. A common law employee is defined as someone OTHER THAN the Owner or the Owners Spouse.<\/p>\n

If no \u201ccommon law employees\u201d are ENROLLED on the health plan other than the sole owner (100% shareholder), an employee benefit plan does not exist. The \u2018owner\u2019 or the \u2018owner\u2019s spouse\u2019 of the business, whether paid via W2 or K1, do NOT qualify as employees under federal rules (although they can join the health plan as an employee IF there is a common law employee also enrolled or if the business has 2 or more \u2018owners\u2019 who are not married to each other and 1 or more enroll).<\/p>\n

If your company does not qualify for an employee benefit plan, you will LOSE YOUR GROUP HEALTH COVERAGE upon renewal and be forced into the individual market where there are very limited carriers, higher premiums, and more volatility.<\/p>\n

How do the new owner only guidelines affect you?<\/strong>
\nThis new guidance is different from how insurance companies used to handle \u2018owner only health\u2019 insurance groups. Before, if there was a common law employee eligible, they did not have to enroll if the group met the participation guidelines (usually 60% after valid waivers). Now, a common law employee must enroll, and the group must meet participation, if the only enrolling person on the plan is the business owner. Below are some ways we can help you become compliant so you can enroll or keep your ny small business health insurance plan.<\/p>\n

How can you become compliant when only an owner or owner\u2019s spouse is enrolling on a group health plan?<\/strong>
\nIt depends on how your company is incorporated, how employees and owners are paid, and which insurance company you are enrolled with.
\nC-Corp, S-Corp, and LLC groups with 2 or more Owners who are not married:<\/strong>\u00a0This is a group with only owners and no W2 employees. These are OK with most carriers as long as the waiving owner(s) have qualifying other insurance so they meet participation requirements.
\nC-Corp, S-Corp, and LLC groups with only 1 owner (100% shareholder) plus at least 1 W2 employee:<\/strong>\u00a0These are NOT allowed if only the owner enrolls, but is OK if the W2 employee ENROLLS. Must have at least one common law employee enrolled.
\nSole Proprietors:<\/strong>\u00a0Not eligible unless a common law employee is enrolled. Sole proprietors usually have one owner but unless there is a common law employee ENROLLED, the Sole Proprietor is ineligible for group health insurance and must go to the Individual Marketplace.
\nC-Corp, S-Corp, and LLC groups with W-2 employees:<\/strong>\u00a0This is allowed if the owner or owner\u2019s spouse are not the only ones enrolling. Make sure you count all FT W2 employees plus owners to make sure you meet participation which is usually 60% after valid waivers.
\nThere might be some workarounds if you don\u2019t otherwise qualify under the owner only guidelines above so call us to start the process of protecting your ability to enroll in or stay in the NY small business health insurance market.<\/p>\n

Please provide us with the following information if you want to call and discuss your specific company eligibility:<\/strong>
\n\u2013 Type of Business (S-Corp, C-Corp, LLC, LLP, Sole Proprietor)
\n\u2013 type of proof of employment available (NYS45, Sch C and NYS45, K1, etc)
\n\u2013 if you file K1s, how many owners are there in the business (needs to add up to 100% of outstanding shares)?
\n\u2013 Are owners listed on the NYS45, or only on the K1s?
\n\u2013 How many employees (including owners) are ENROLLED on the health plan?
\n\u2013 How many employees (including owners) have signed WAIVERS declining the health insurance?<\/p>\n","protected":false},"excerpt":{"rendered":"

NY Small Group Health Insurance Owner Only Guidelines All NY small group insurance carriers have updated their small group guidelines for businesses with only the owner and\/or the owner\u2019s spouse enrolling in the plan (aka Owner Only groups). All carriers will now require one common law employee enrolled for a group which has only 1 […]<\/p>\n","protected":false},"author":6,"featured_media":5806,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"mc4wp_mailchimp_campaign":[],"footnotes":""},"categories":[1509,339],"tags":[755,841,1791,1792,1310],"class_list":["post-6833","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance-for-small-business-owners-in-ny","category-small-business-health-insurance","tag-ny-small-business-health-insurance","tag-ny-small-business-health-plans","tag-owner-only-guidelines","tag-owner-only-health","tag-sole-proprietor-health-insurance-ny"],"yoast_head":"\nNY Small Group Health Insurance Owner Only Guidelines - New York Health Insurance - Affordable Small Business Health Plans<\/title>\n<meta name=\"description\" content=\"All NY small group insurance carriers have updated their small group guidelines for businesses with only the owner and\/or the owner\u2019s spouse enrolling in the plan (aka Owner Only groups). We can help you understand these new guidelines and help you enroll or maintain your existing coverage if you are one of these owner only small groups.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NY Small Group Health Insurance Owner Only Guidelines\" \/>\n<meta property=\"og:description\" content=\"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/\" \/>\n<meta property=\"og:site_name\" content=\"New York Health Insurance - Affordable Small Business Health Plans\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PeakAdvisorsInc\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-27T18:11:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-11-27T19:10:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Peak Advisors\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@peakadvisorsinc\" \/>\n<meta name=\"twitter:site\" content=\"@peakadvisorsinc\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Peak Advisors\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/\"},\"author\":{\"name\":\"Peak Advisors\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/d9229de3349fdd3052d3d6c527a850b8\"},\"headline\":\"NY Small Group Health Insurance Owner Only Guidelines\",\"datePublished\":\"2019-11-27T18:11:02+00:00\",\"dateModified\":\"2019-11-27T19:10:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/\"},\"wordCount\":899,\"publisher\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg\",\"keywords\":[\"NY small business health insurance\",\"ny small business health plans\",\"owner only guidelines\",\"owner only health\",\"sole proprietor health insurance ny\"],\"articleSection\":[\"Health Insurance For Small Business Owners In NY\",\"Small Business Health Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/\",\"name\":\"NY Small Group Health Insurance Owner Only Guidelines - New York Health Insurance - Affordable Small Business Health Plans\",\"isPartOf\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg\",\"datePublished\":\"2019-11-27T18:11:02+00:00\",\"dateModified\":\"2019-11-27T19:10:15+00:00\",\"description\":\"All NY small group insurance carriers have updated their small group guidelines for businesses with only the owner and\/or the owner\u2019s spouse enrolling in the plan (aka Owner Only groups). We can help you understand these new guidelines and help you enroll or maintain your existing coverage if you are one of these owner only small groups.\",\"breadcrumb\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#primaryimage\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg\",\"contentUrl\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg\",\"width\":900,\"height\":300,\"caption\":\"NY Small Business Health Insurance\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/peakinsuranceadvisors.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"NY Small Group Health Insurance Owner Only Guidelines\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#website\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/\",\"name\":\"New York Health Insurance - Affordable Small Business Health Plans\",\"description\":\"Affordable NY Health Insurance Small Business Health Plans\",\"publisher\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/peakinsuranceadvisors.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":[\"Organization\",\"Place\",\"InsuranceAgency\"],\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#organization\",\"name\":\"Peak Advisors, Inc.\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/\",\"logo\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-organization-logo\"},\"image\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-organization-logo\"},\"sameAs\":[\"https:\/\/www.facebook.com\/PeakAdvisorsInc\/\",\"https:\/\/x.com\/peakadvisorsinc\",\"https:\/\/www.linkedin.com\/in\/peakadvisors\",\"https:\/\/www.youtube.com\/channel\/UCdZrXsnNGsjyapWagZyoJRw\/featured\"],\"address\":{\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-place-address\"},\"telephone\":[\"(631) 207-1800\"],\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\"],\"opens\":\"09:00\",\"closes\":\"17:00\"},{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Saturday\",\"Sunday\"],\"opens\":\"00:00\",\"closes\":\"00:00\"}],\"email\":\"info@peakinsuranceadvisors.com\",\"faxNumber\":\"(631) 207-4370\",\"areaServed\":\"New York, Long Island and New York City\",\"currenciesAccepted\":\"USD\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/d9229de3349fdd3052d3d6c527a850b8\",\"name\":\"Peak Advisors\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c7a6c2f5b5e66b674f2b0886b7a89c5b39d7bf18a30ad6a3091932ac9c22522a?s=96&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c7a6c2f5b5e66b674f2b0886b7a89c5b39d7bf18a30ad6a3091932ac9c22522a?s=96&r=g\",\"caption\":\"Peak Advisors\"},\"url\":\"https:\/\/peakinsuranceadvisors.com\/author\/managepai\/\"},{\"@type\":\"PostalAddress\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-place-address\",\"streetAddress\":\"162 Long Island Ave. #2\",\"addressLocality\":\"Holtsville\",\"postalCode\":\"11742\",\"addressRegion\":\"NY\",\"addressCountry\":\"US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-organization-logo\",\"url\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/01\/peak_advisors_logo_vert.png\",\"contentUrl\":\"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/01\/peak_advisors_logo_vert.png\",\"width\":200,\"height\":100,\"caption\":\"Peak Advisors, Inc.\"}]}<\/script>\n<meta name=\"geo.placename\" content=\"Holtsville\" \/>\n<meta name=\"geo.region\" content=\"United States (US)\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"NY Small Group Health Insurance Owner Only Guidelines - New York Health Insurance - Affordable Small Business Health Plans","description":"All NY small group insurance carriers have updated their small group guidelines for businesses with only the owner and\/or the owner\u2019s spouse enrolling in the plan (aka Owner Only groups). We can help you understand these new guidelines and help you enroll or maintain your existing coverage if you are one of these owner only small groups.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/","og_locale":"en_US","og_type":"article","og_title":"NY Small Group Health Insurance Owner Only Guidelines","og_description":"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.","og_url":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/","og_site_name":"New York Health Insurance - Affordable Small Business Health Plans","article_publisher":"https:\/\/www.facebook.com\/PeakAdvisorsInc\/","article_published_time":"2019-11-27T18:11:02+00:00","article_modified_time":"2019-11-27T19:10:15+00:00","og_image":[{"width":900,"height":300,"url":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg","type":"image\/jpeg"}],"author":"Peak Advisors","twitter_card":"summary_large_image","twitter_creator":"@peakadvisorsinc","twitter_site":"@peakadvisorsinc","twitter_misc":{"Written by":"Peak Advisors","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#article","isPartOf":{"@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/"},"author":{"name":"Peak Advisors","@id":"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/d9229de3349fdd3052d3d6c527a850b8"},"headline":"NY Small Group Health Insurance Owner Only Guidelines","datePublished":"2019-11-27T18:11:02+00:00","dateModified":"2019-11-27T19:10:15+00:00","mainEntityOfPage":{"@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/"},"wordCount":899,"publisher":{"@id":"https:\/\/peakinsuranceadvisors.com\/#organization"},"image":{"@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#primaryimage"},"thumbnailUrl":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg","keywords":["NY small business health insurance","ny small business health plans","owner only guidelines","owner only health","sole proprietor health insurance ny"],"articleSection":["Health Insurance For Small Business Owners In NY","Small Business Health Insurance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/","url":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/","name":"NY Small Group Health Insurance Owner Only Guidelines - New York Health Insurance - Affordable Small Business Health Plans","isPartOf":{"@id":"https:\/\/peakinsuranceadvisors.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#primaryimage"},"image":{"@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#primaryimage"},"thumbnailUrl":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg","datePublished":"2019-11-27T18:11:02+00:00","dateModified":"2019-11-27T19:10:15+00:00","description":"All NY small group insurance carriers have updated their small group guidelines for businesses with only the owner and\/or the owner\u2019s spouse enrolling in the plan (aka Owner Only groups). We can help you understand these new guidelines and help you enroll or maintain your existing coverage if you are one of these owner only small groups.","breadcrumb":{"@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#primaryimage","url":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg","contentUrl":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/12\/Blog_Image-logo-wide.jpg","width":900,"height":300,"caption":"NY Small Business Health Insurance"},{"@type":"BreadcrumbList","@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/peakinsuranceadvisors.com\/"},{"@type":"ListItem","position":2,"name":"NY Small Group Health Insurance Owner Only Guidelines"}]},{"@type":"WebSite","@id":"https:\/\/peakinsuranceadvisors.com\/#website","url":"https:\/\/peakinsuranceadvisors.com\/","name":"New York Health Insurance - Affordable Small Business Health Plans","description":"Affordable NY Health Insurance Small Business Health Plans","publisher":{"@id":"https:\/\/peakinsuranceadvisors.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/peakinsuranceadvisors.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":["Organization","Place","InsuranceAgency"],"@id":"https:\/\/peakinsuranceadvisors.com\/#organization","name":"Peak Advisors, Inc.","url":"https:\/\/peakinsuranceadvisors.com\/","logo":{"@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-organization-logo"},"image":{"@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-organization-logo"},"sameAs":["https:\/\/www.facebook.com\/PeakAdvisorsInc\/","https:\/\/x.com\/peakadvisorsinc","https:\/\/www.linkedin.com\/in\/peakadvisors","https:\/\/www.youtube.com\/channel\/UCdZrXsnNGsjyapWagZyoJRw\/featured"],"address":{"@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-place-address"},"telephone":["(631) 207-1800"],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday"],"opens":"09:00","closes":"17:00"},{"@type":"OpeningHoursSpecification","dayOfWeek":["Saturday","Sunday"],"opens":"00:00","closes":"00:00"}],"email":"info@peakinsuranceadvisors.com","faxNumber":"(631) 207-4370","areaServed":"New York, Long Island and New York City","currenciesAccepted":"USD"},{"@type":"Person","@id":"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/d9229de3349fdd3052d3d6c527a850b8","name":"Peak Advisors","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/peakinsuranceadvisors.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/c7a6c2f5b5e66b674f2b0886b7a89c5b39d7bf18a30ad6a3091932ac9c22522a?s=96&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c7a6c2f5b5e66b674f2b0886b7a89c5b39d7bf18a30ad6a3091932ac9c22522a?s=96&r=g","caption":"Peak Advisors"},"url":"https:\/\/peakinsuranceadvisors.com\/author\/managepai\/"},{"@type":"PostalAddress","@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-place-address","streetAddress":"162 Long Island Ave. #2","addressLocality":"Holtsville","postalCode":"11742","addressRegion":"NY","addressCountry":"US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/peakinsuranceadvisors.com\/ny-small-group-health-insurance-owner-only-guidelines-2\/#local-main-organization-logo","url":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/01\/peak_advisors_logo_vert.png","contentUrl":"https:\/\/peakinsuranceadvisors.com\/wp-content\/uploads\/2017\/01\/peak_advisors_logo_vert.png","width":200,"height":100,"caption":"Peak Advisors, Inc."}]},"geo.placename":"Holtsville","geo.region":"United States (US)"},"_links":{"self":[{"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/posts\/6833","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/comments?post=6833"}],"version-history":[{"count":16,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/posts\/6833\/revisions"}],"predecessor-version":[{"id":7086,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/posts\/6833\/revisions\/7086"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/media\/5806"}],"wp:attachment":[{"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/media?parent=6833"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/categories?post=6833"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/peakinsuranceadvisors.com\/wp-json\/wp\/v2\/tags?post=6833"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}