Contribution rules, in plain English
One of the first questions every business asks: how much do I have to contribute? In most states and with most carriers, you must cover at least 50% of the employee-only premium — but you can do more, and many employers help toward dependents too.
Common approaches include paying a flat percentage of the premium, a flat dollar amount per employee, or fully covering the employee and letting workers pay for dependents. A generous contribution improves participation and retention; a leaner one controls cost. We’ll model a few options against your budget.
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No. You’re generally required to contribute toward the employee-only premium; helping with dependent coverage is optional. Many employers cover a large share of the employee premium and a smaller share (or none) of dependents.