Home Page Read Our Blog Facebook LinkedIn


Established in 1991 Downes Insurance Associates has grown to become a full service multiline company.

Read more...

First Name Last Name Email
Phone # Interested In

Group Health


Group Health Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Group Health Information

What is group health insurance?

Group health insurance is a single policy issued to a group of people, offering uniform healthcare benefits to all members. In most cases, these policies are purchased by employers and offered to eligible employees and their families as part of an employee benefits package. Enrolling in group health insurance generally costs participants less than what they would pay for an individual healthcare policy for two main reasons:

  1. The risk is spread over the whole group, as opposed to just one individual.
  2. Many employers pay a portion of employees’ premiums.

What are the benefits of group health insurance?

For employees, the benefits of group health insurance include the reduced price of healthcare and the ease of enrolling through their employer. For employers, the benefits range from attracting quality workers to the tax credits they can receive.

Is your business required to purchase group health insurance?

Large businesses with 50 or more employees are now required to offer group health insurance under the Affordable Care Act. Small businesses with fewer than 50 employees are not required to offer coverage, but they can qualify for tax credits to help offset the cost if they choose to offer healthcare and pay for at least half of each employee’s premium.

Contact us today for more information about group health insurance.


Get Started



Home Page
About Us
Get A Quote
Contact Us



Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Health Insurance
Group Health Insurance
More Insurance Types



1047 North Walnut St
Milford, DE 19963

Ph: 302.422.8863
Ph: 302.745.7697
Fx: 302.422.2811


Powered by Insurance Website Builder