Types of small business health insurance plans Health insurances are becoming more mandatory with the passage of time. This is because we have come to a sorry chapter in our evolution where our indulgences and environmental hazards deeply affect our health and the parameters of healthy living are getting violated ever so frequently. Small business health insurance plans are proving quite handy. While large business owners generally provide a plan to their employees, one that covers them from most of the diseases, small business owners still find themselves in soup at times, regarding the plan that best suits their employees. To aid such small business owners, health insurance companies float various small business health insurance plans. Among them, first comes the Health Maintenance organization plan. These permit the insured employee to choose his own Primary Care Physician. Next, there is the Indemnity plan. An insured person has to pay the premium amount prior to accepting benefits from the insurance company. This is largely done via small salary deductions that go towards health insurance premiums. If you have a Preferred Provider Organization Plan, it means that your employer has already tied up with some medical organization and a specified set of doctors to procure services for his set of employees, as and when they need it.