Answer posted in Teams: Eligibility for group health insurance typically requires a minimum number of employees, often more than one. In the case of a sole employee working fewer than 20 hours per week, they would generally not be eligible for group benefits.
Eric’s answer: To be eligible to set up a group health plan, a company typically must have two eligible people. In some states and with some carriers, one of those two eligible people can be a business owner like a proprietor, partner, or owner of an S-Corp, but at least one full-time W-2 employee who lives outside the household of the owner(s) is required as well. The owner may or may not be required to work full-time. In other states, there must be at least two full-time W-2 employees. And in others (like Texas and Louisiana), both eligibile individuals can be business owners and can even be a husband & wife business – if the company is a partnership or an LLC filing as a partnership, no W-2 employees are required at all. So, the short answer is that it varies by state.