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What Constitutes A Group for Health Insurance in Tennessee?

How many employees do you need for Group Health Insurance?

How many people does it take to form a group for health insurance? You need to have at least two employees to constitute a group. In some cases, an owner who is not an employee can have one (not a spouse) W-2 employee.

Some carriers will also allow a husband and wife to be covered as the only two in a group. But both the husband and wife must be W-2 full-time employees and receive full-time wages with taxes withheld.

You can also cover 1099 contractors on a group plan, but you still must have at least 2 full time


At we can help you analyze all of your group health options.

Call us at 615-376-8899

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