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Guide to Employment Law. Currently, there is no federal law mandating employers to provide employees with health insurance coverage, and many states do not require employers to provide it or any other health coverage.
Provided by an employer to employees and sometimes their spouses, partners, and legal dependents. Employer-paid premiums are generally tax-deductible. Each state sets minimum participation requirements needed to offer group health insurance to a company. The employer assumes some of the financial risk for providing health care benefits to employees. The employer pays a fixed premium rate based on the number of employees enrolled in the plan to the insurance carrier.