Affordable Group Health Insurance For Small Business Owners

Group health insurance for small business plans, even small ones, can be very affordable for employees to pay into. Costs for employees can start around $270 per month, or $3240 per year, which is more than three times less than the cost the average American pays into their healthcare annually.

Small Plans vs. Large Plans

The package you choose from the private insurance company will dictate your rates, premiums, and health care coverage. Sometimes, people assume that their healthcare coverage will diminish by choosing a small crew medical coverage.

However, this is not automatically the case. While healthcare protection packages offered by private insurance providers, or on the state and federal exchanges, are not very customizable, plans from independent insurance agencies like Taylor Benefits are.

With an independent agency, you can receive the health care coverage you need at an attractive price. Health insurance companies need to offer healthcare policies at affordable monthly premiums in order to remain in medical insurance business. These medical coverage providers are in competition with each other, while independent agencies are not.

With an independent agency, you can shop health insurance that covers preexisting conditions and save money by avoiding high insurance premium costs as much as possible. It provides essential health benefits like dental plans coverage, out of network care, family coverage for equivalent employees, etc.

The size of the health packages does not matter as much as the agency offering the plan.

How Much Does Group Health Insurance for Small Business Cost?

Insurance is a numbers game, no matter which type of health package you choose from the insurance company. Fortunately for those interested in a group health insurance for small business plan which is cost-saving in their zip code, premiums are showing a downward trend in the last few years. This is due to Affordable Care Act (ACA) passed by the president Barack Obama in 2010.

According to 2018 research, the average premium per person fell (lower costs) to $409 in 2018 for small business medical coverage plans. This is a drop from $416 in 2017; while it might not sound like a huge improvement, it speaks to health trends that small businesses can certainly get behind.

It’s worth noting that the group health coverage premiums have risen by about 5% since 2015, but this is to be expected when accounting for inflation.

Group medical insurance for small business is still likely to cost both employer and employee a couple hundred dollars in health protection premiums (assuming that the cost is being shared), but this is a significant improvement over some of the alternatives, both in terms of premiums and deductibles.

Moreover, the deductible for small group insurance averages about $3,000, which is much lower than that for individual health plans.

 

What Are My Different Options?

When it comes to group health care plans for small business, there are essentially five different options that can be explored by small business owners, including the SHOP Small Business Health Options Program..

First Option

The first and most traditional option is a simple crew medical coverage option for small employers. This option is appealing to those who don’t want to wade through the confusing world of business medical coverage, as it’s doubtlessly the easiest choice.

Employers pay a fixed health plan premium, part of which may be paid by full-time employees and their unique needs for medical plans, and in return offer health benefits to their workforce and possibly their staff members’ dependents. It’s a straightforward option for a small business owner, but premiums to provide health insurance can be quite high for small businesses.

Second Option

A newer option for small group health insurance gaining popularity is something called the qualified small employer health reimbursement arrangement (QSEHRA). Though it’s a mouthful, the right plan concept is relatively simple thanks to the legislation passed in 2016.

Basically, employers can offer a certain amount of money (of their choosing) in benefits to employees’ health each month. Covered staff members can purchase healthcare policy premiums, pay toward deductibles, and fill prescriptions within this amount and provide receipts to receive reimbursement. This option is wholly customizable to each worker but adds some extra administrative services burden all the way around.

Third Option 

Similarly, another option is to invest in something called a team coverage health reimbursement arrangement. This means that an employer would offer group medical coverage, but they would also offer a certain monthly allowance to go toward copays, deductibles, and the like.

As with any reimbursement program, employees would need to submit proof of their expenditures, and there are stipulations for what is eligible for reimbursement.

 

Fourth Option 

The riskiest option for group health insurance for small business is for a business to provide self funded plans (or level funded plans, deductible health plans). This means that rather than paying premiums each month, workers submit their medical bills/prescription drugs and employers reimburse them directly.

This healthcare option is an obvious gamble for small businesses sole proprietor, and although it sometimes plays to employers’ favors, it also has the potential to put them out of business.

Fifth Option

Finally, associate health plans (AHPs) are a somewhat precarious option in which small businesses can invest. They are precarious due to the fact that a judge ruled against allowing them in 2019, though this is likely to be appealed. Basically, AHPs are when a number of smaller businesses within an industry or region band together to purchase larger group healthcare policy from the insurance company.

Defining The Size

Some small business owners are under the misconception that there is a certain threshold in terms of employee access funding options numbers that they must meet in order to be eligible for small crew healthcare policy. While this isn’t strictly untrue, the threshold is incredibly low: at least one employee.

There is, however, a stricter upper limit by which employers must abide. The maximum number of staff members that can still be considered a small team for Medicaid services maxes out at 50. This means that businesses with more than 50 workers must explore large crew health solutions by the insurance companies and check their eligibility for such plans.

Criteria and Eligibility

It’s important to note that in order to be eligible for small group coverage options, the one employee that is required must meet a number of criteria.

The Affordable Care Act (ACA) does not require small businesses to offer healthcare policy to their workers. However, there are some states that have their own medical coverage requirements for small businesses.

• California: California requires all businesses with 50 or more workers to offer medical coverage or pay a penalty.
• New Jersey: New Jersey requires all businesses with 10 or more workers to offer health insurance or pay a penalty.
• Hawaii: Hawaii requires all businesses with 5 or more employees to offer medical benefits or pay a penalty.
• Massachusetts: Massachusetts requires all businesses with 11 or more crew members to offer healthcare policy or pay a penalty.
• Vermont: Vermont requires all businesses with 50 or more employees to offer medical coverage or pay a penalty.

If you’re a small business owner operating in a state with its own healthcare policy requirements, it’s essential to understand the small business health insurance requirements across states and consult your state’s department of insurance for detailed guidance..

Even if your state does not have its own medical coverage requirements, you may still want to consider offering health insurance to your employees. There are many benefits to offering medical coverage, including:

• Attracting and retaining top talent
• Improving employee morale and productivity
• Reducing the financial burden of healthcare costs on your workers
• Protecting your business from liability

If you are considering offering health insurance to your workers, there are a few things you need to do:

1. Estimate the cost of medical benefits for your workers.
2. Choose a medical coverage plan that meets your crews’ needs.
3. Communicate the health insurance plan to your employees.

Is Group Health Plan Cheaper Than Individual Health Insurance Plans?

Cost is always a huge factor when employers are considering different medical benefits plans, but there’s more than meets the eye when it comes to comparing medical coverage for small team and individual health package.

If you only look at the premiums for each type of insurance, there’s not that much of a difference. On average, a small group plan’s premium will work out to an average of $409 per person by the insurance company; an individual plan premium is an average of $440 by the insurance company.

Looking a little closer, you’ll notice that the deductible for small business coverage is more than $1,000 less than that for individual coverage, but there’s even more to unpack than that.

Which one is Better?

Because employers contribute to the cost of premiums fixed by the health insurance company, the employee premiums amount for insurance is significantly lower with a small team medical coverage plan than an individual one.

This makes a small team program an obvious choice for employers looking to offer their valuable workers a competitive benefits package at the minimum contribution.

Benefits

There are many reasons that employers ought to invest in team health insurance options, but not all of them are immediately evident. Make sure you thoroughly consider all of the ways that a group plan could positively impact your business before making your decision.

First and foremost, team packages save both businesses and staff members money from payroll taxes. This is possible due to the fact that a larger risk pool translates to lower premiums from the best healthcare policy providers.

1. Affordability: One of the primary advantages of small crew medical benefits is that it often provides affordable rates compared to individual programs. The pooling of workers often allows for better negotiation of premiums.

2. Customization: Independent agencies, in particular, offer flexibility in creating health care packages tailored to the needs of the group.

3. Employee Attraction and Retention: Offering health insurance can make a business more attractive to potential workers and can help retain existing staff. Quality health benefits are often a deciding factor in job selection.

4. Tax Advantages: Both employers and workers can enjoy tax benefits. Employers can usually deduct premiums they pay on a qualifying team health program.

5. Improved Workforce Morale and Productivity: When crews know they’re covered, they’re often happier, less stressed, and more productive.

6. Risk is Spread: With more participants, the risk associated with medical coverage is spread out, which can stabilize costs and premiums.

7. Comprehensive Coverage Options: Group packages often come with the option to include various types of coverage, including dental, vision insurance, and other specialized care small business group medical insurance options, ensuring that employees have holistic health coverage.

8. Employer Contribution: Employers can contribute to premiums, further reducing the cost burden on workers.

9. Employee Wellness and Preventive Care: Many small team packages emphasize wellness programs and preventive care, which can lead to healthier crews and reduced healthcare expenses in the long run.

10. Regulatory Protections: Group health insurance plans for small business are often subject to state and federal regulations that protect both the employer and the employee, ensuring that certain standards and protections are in place.

11. Simplified Administration: Though there’s a learning curve, once set up, team programs often provide a streamlined process for administration, especially if outsourced to professional HR or benefits administrators.

12. Continuous Coverage: Even if a worker faces health challenges, they can’t be singled out for premium hikes or dropped from the package, as might happen with individual coverage.

13. Encourages a Healthier Workforce: Access to healthcare can lead to earlier diagnoses and treatments, minimizing downtime and ensuring a healthier workforce.

14. Spousal and Dependent Coverage: Workforce can often extend their coverage to include their families, ensuring that their loved ones are also protected.

15. Competitive Advantage: For small businesses, in particular, offering health insurance can give them an edge over competitors that don’t offer such benefits, especially when trying to attract top talent. 

In summary, while there are costs associated with offering a small team medical coverage plan, the myriad benefits, both tangible and intangible, can far outweigh them. It not only supports the health and wellbeing of workers but can also have positive repercussions for the business’s bottom line and overall success.

Additionally, covering more people under a single package helps drive down costs so that employers can afford to purchase better insurance from the broker. This means that collective packages are basically a no-brainer for employers.

 

Costs Comparison

When comparing the costs of group medical insurance for small business, behavioral health, life insurance company, small business health plans and individual medical coverage, several factors come into play that can influence the relative costs of each. Here’s a breakdown:

1. Premium Costs: 

1. Small Group Health Insurance: Typically, the premiums for team plans might be lower per person than individual packages because of the larger risk pool. The business often shares the cost of premiums with staff members, which can reduce the financial burden on the individual.
2. Individual Health Insurance: Premium costs depend on individual factors, including age, health status, geographical area, and program selected. Without the pooling of a crew, some people might find individual coverage more expensive, especially if they’re older or have health issues.

2. Benefits and Coverage:

1. Small Group Health Insurance: Collective packages usually offer comprehensive coverage, including medical, dental, vision, and sometimes other types of group insurance like life or disability. This broad coverage can provide more value.
2. Individual Health Insurance: The coverage can vary widely based on the plan chosen. Some may offer bare-bones coverage with lower premiums, while others might be comprehensive but come with a higher cost.

3. Tax Benefits:

1. Small Crew Health Insurance: Businesses often get tax deductions for the contributions they make to employees’ premiums. Employees can also benefit by paying their share of premiums with pre-tax dollars.
2. Individual Health Insurance: Individuals who buy insurance on the medical benefits marketplaces may be eligible for subsidies based on their income. Additionally, if individual health insurance premiums and other medical expenses exceed a certain percentage of the individual’s adjusted gross income, they may be deductible.

4. Risk Pooling:

1. Small Team Health Insurance: Risks are spread out over a larger number of individuals, potentially stabilizing costs.
2. Individual Health Insurance: The costs are determined by the individual’s own risk factors, which can make it more expensive for those with pre-existing conditions (although the Affordable Care Act has put regulations in place to prevent excessive pricing based on health status).

5. Administrative Costs:

1. Small Group Health Insurance: There might be some administrative costs related to managing the health benefits for employees, especially for very small businesses without a dedicated HR department.
2. Individual Health Insurance: There’s no administrative cost to the individual beyond personal time spent researching and choosing a plan.

6. Cost Stability:

1. Small Group Health Insurance: Team packages may have more stable premiums year-to-year because the risk is spread out over a larger team of people.
2. Individual Health Insurance: Premiums might be more susceptible to significant year-to-year changes based on factors like regional healthcare costs, personal health changes, or market dynamics.

7. Contributions and Cost-sharing:

1. Small Crew Health Insurance: Employers typically share the cost, which can significantly reduce the burden on staff members. There are also often out-of-pocket maximums in place.
2. Individual Health Insurance: The individual shoulders the full premium cost unless they qualify for a subsidy. There might be a wider range of potential out-of-pocket costs based on the plan selected.

Why is group health insurance for small business important?

A small crew package offers a host of benefits to staff members. Because the program is offered through the employer, employees pay a portion of the premium cost generally to offset a comprehensive health coverage for each employee. Additionally, staff members are able to enjoy a higher quality protection plan than they would be able to afford on their own.

You Get Happy Workforce

All of this creates a brighter company culture and more positive work environment. When workforce feel valued and their medical expenses taken care of, the quality of their work inevitably improves. Plus, staff members are less likely to jump ship when they feel that they’re receiving a quality benefits package for the Medicaid services. Finally, tax incentives and tax-free money is another way in which businesses benefit from offering collective health protection. This only further solidifies the assertion that team health packages are a smart financial move for both businesses and their staff members. Small businesses should consult their tax advisor to avoid any tax penalty for not providing medical benefits to keep the workforce healthy when they need it.

Types 

The following are popular forms of healthcare policy that you may decide you want included in your plan by the insurance company. The specifics of your package and how much coverage is required, however, will depend on your employee’s health trends and goals.

• Dental insurance
• Health insurance
• Prescription drug coverage
• Subsidies
• Eligibility for tax credits
• Non-prescription drug coverage options (like Tylenol or Aspirin)
• Copayment
• Family health plans and coverage options for staff members’ families
• Reimbursement of out-of-pocket expenses
• Long term care

The benefits you can include in your group health program are endless.

Your Rights and Protections Under Health Care Law

The rights and protections you will receive are determined by both the federal and state government you reside under. For federal rights and protections, you can go here for more information. For your rights and protections under state law, you should go to the websites specific to your state.

The state official website to go to if you live in New York, for example, is the Department of Health’s website. There, you will find the rights and protections that apply to you.

A great many things are determined under the state law, which determine policies that pertain to your health care provider, like:

• Health coverage
• Health insurance options
• Insurance policies
• Health savings accounts
• Tax penalties
• Tax benefits
• Tax savings
• Tax credits
• Obamacare/ACA
• Health care reform
• Small business health options programs (if you offer shop plans/shop coverage)
• Small business taxes
• Employer mandates

Where Should I Look?

Look to an independent licensed agent like Taylor Benefits Insurance first to point you to various group health care plans for small business with quality care and a plan type that supports your small business health care priorities. Independent agencies can help you get affordable health protection that covers preexisting conditions, lowers your insurance agent healthcare costs, covers catastrophic care, and more.

A plan from an independent agency will be better than a package provided by the federal government or an established health care insurance company with digital tools that your eligible employees need.

Relevant Statistics

• Small crew health insurance covers approximately 60% of employees in small businesses.
• Over 80% of small team medical coverage plans offer coverage for preventive care services.
• The average monthly premium for small business health protection is $450 per staff member.
• Small group medical benefits typically have a deductible ranging from $1,000 to $5,000. High deductible small group health plans are available for health maintenance organization.
• Around 70% of small businesses that offer healthcare policy contribute at least 50% towards the premium plan cost.

General Facts

• Small group medical coverage provides coverage for businesses with a small number of employees, typically between 2 and 50.
• It offers a range of benefits, including medical, dental, and vision coverage.
• Small team medical benefits are often more affordable compared to individual health insurance packages.
• Employers typically contribute a portion of the premium costs, while staff members also contribute through payroll deductions.
• Small crew health protection plans must comply with regulations set by the Affordable Care Act, ensuring essential health benefits are included in the coverage.

Who are the top providers?

The top providers for small business medical coverage are:

• Cigna
• Aetna
• UnitedHealthcare
• Blue Cross Blue Shield
• Kaiser Permanente

These providers offer a variety of plans to fit the needs of small businesses, and they have a good reputation for customer service.

Areas We Serve

 

Alabama

Decatur	Madison	Huntsville	Tuscaloosa	Birmingham
Hoover	Montgomery	Auburn	Mobile	Dothan

Alaska

Anchorage

Arizona

Lake Havasu City	Flagstaff	Prescott Valley	Yuma	Buckeye
Peoria	Glendale	Goodyear	Avondale	Phoenix
Scottsdale	Tempe	Mesa	Gilbert	Chandler
Maricopa	Queen Creek	San Tan Valley	Casa Grande	Marana
Casas Adobes	Catalina Foothills	Tucson

Arkansas

Bentonville	Rogers	Springdale	Fayetteville	Fort Smith
Conway	Jonesboro	North Little Rock	Little Rock

California

Redding	Chico	Yuba City	Santa Rosa	Woodland
Roseville	Davis	Napa	Citrus Heights	Sacramento
Vacaville	Folsom	Rancho Cordova	Fairfield	Vallejo
San Rafael	Elk Grove	Richmond	Concord	Pittsburg
Berkeley	San Francisco	Walnut Creek	Antioch	Oakland
Daly City	Alameda	Lodi	South San Francisco	San Leandro
San Ramon	Hayward	San Mateo	Dublin	Stockton
Pleasanton	Union City	Livermore	Redwood City	Fremont
Tracy	Palo Alto	Manteca	Mountain View	Milpitas
Sunnyvale	Cupertino	Santa Clara	San Jose	Modesto
Turlock	Santa Cruz	Gilroy	Watsonville	Merced
Monterey	Salinas	Clovis	Fresno	Hanford
Visalia	San Luis Obispo	Santa Maria	Bakersfield	Ventura
Lancaster	Oxnard	Camarillo	Palmdale	Santa Clarita
Simi Valley	Thousand Oaks	Burbank	Glendale	Victorville
Santa Monica	Pasadena	South Pasadena	Los Angeles	Arcadia
San Gabriel	Alhambra	Hesperia	Rosemead	Monterey Park
Inglewood	El Monte	Huntington Park	Baldwin Park	Hawthorne
Montebello	Covina	Bell Gardens	West Covina	South Gate
Pico Rivera	Lynwood	Gardena	Redondo Beach	La Puente
Hacienda Heights	Downey	Whittier	Compton	Torrance
Walnut	Paramount	Pomona	Carson	Upland
Norwalk	Bellflower	Rancho Cucamonga	La Mirada	Rancho Palos Verdes
Ontario	La Habra	Lakewood	Chino Hills	Chino
Buena Park	Fontana	Long Beach	Rialto	Fullerton
Cypress	Placentia	Yorba Linda	San Bernardino	Anaheim
Eastvale	Jurupa Valley	Westminster	Garden Grove	Orange
Redlands	Riverside	Huntington Beach	Corona	Santa Ana
Fountain Valley	Tustin	Yucaipa	Moreno Valley	Irvine
Costa Mesa	Newport Beach	Lake Forest	Perris	Mission Viejo
Aliso Viejo	Menifee	San Jacinto	Hemet	San Clemente
Murrieta	Temecula	Cathedral City	Indio	La Quinta
Oceanside	Carlsbad	Vista	San Marcos	Escondido
San Diego	National City	Chula Vista

Colorado

Grand Junction	Fort Collins	Loveland	Greeley	Longmont
Boulder	Broomfield	Westminster	Thornton	Arvada
Commerce City	Lakewood	Denver	Aurora	Centennial
Parker	Castle Rock	Colorado Springs	Pueblo

Connecticut

Danbury	Bristol	West Hartford	Hartford	Waterbury
New Britain	East Hartford	Manchester	Meriden	Greenwich
Norwalk	Stamford	Fairfield	Hamden	Bridgeport
Stratford	New Haven	Milford	West Haven

Delaware

Wilmington

Dover

Florida

Pensacola	Tallahassee	Jacksonville	Gainesville	Ocala
Palm Coast	The Villages	Spring Hill	Daytona Beach	Port Orange
Palm Harbor	Deltona	Clermont	Clearwater	Apopka
Wesley Chapel	Sanford	Largo	Town ‘n’ Country	Ocoee
Pine Hills	Tampa	Pinellas Park	Orlando	Horizon West
St. Petersburg	Four Corners	Brandon	Riverview	Alafaya
Lakeland	Kissimmee	Winter Haven	Poinciana	St. Cloud
Bradenton	Sarasota	Melbourne	Palm Bay	North Port
Port Charlotte	Fort Myers	Cape Coral	Fort Pierce	Lehigh Acres
Port St. Lucie	Bonita Springs	Jupiter	Palm Beach Gardens	Wellington
West Palm Beach	Boynton Beach	Delray Beach	Coral Springs	Boca Raton
Coconut Creek	Deerfield Beach	Margate	Tamarac	Sunrise
Weston	Pompano Beach	Lauderhill	Plantation	Fort Lauderdale
Davie	Pembroke Pines	Miramar	Country Club	Hollywood
Miami Gardens	Doral	Hialeah	North Miami	Tamiami
Fountainebleau	Westchester	The Hammocks	Kendale Lakes	Miami
Miami Beach	Kendall	Homestead

Georgia

Roswell	Alpharetta	Marietta	Dunwoody	Smyrna
Sandy Springs	Mableton	Johns Creek	Brookhaven	South Fulton
Atlanta	Stonecrest	Athens	Columbus	Macon
Warner Robins	Augusta	Albany	Savannah	Valdosta

Idaho

Post Falls	Coeur d’Alene	Caldwell	Nampa	Meridian
Boise City	Twin Falls	Rexburg	Idaho Falls	Pocatello

Illinois

Rockford	Elgin	Waukegan	Hoffman Estates	Palatine
Arlington Heights	Schaumburg	Mount Prospect	Des Plaines	Aurora
Wheaton	Skokie	Naperville	Evanston	Downers Grove
Oak Park	Bolingbrook	Berwyn	Cicero	Peoria
Chicago	Joliet	Oak Lawn	Orland Park	Tinley Park
Normal	Bloomington	Springfield	Decatur	Champaign

Indiana

Hammond	Gary	South Bend	Mishawaka	Elkhart
Lafayette	Kokomo	Fort Wayne	Terre Haute	Westfield
Noblesville	Carmel	Fishers	Anderson	Indianapolis
Muncie	Greenwood	Bloomington	Columbus	Evansville
Jeffersonville

Iowa

Sioux City	Council Bluffs	Ames	Cedar Falls	Ankeny
Urbandale	Waterloo	West Des Moines	Des Moines	Cedar Rapids
Marion	Dubuque	Iowa City	Davenport	Bettendorf

Kansas

Salina	Manhattan	Topeka	Lawrence	Wichita
Kansas City	Shawnee	Lenexa	Olathe	Overland Park

Kentucky

Owensboro	Covington	Louisville	Georgetown	Bowling Green
Lexington

Louisiana

Shreveport	Bossier City	Monroe	Alexandria	Lake Charles
Lafayette	Baton Rouge	Kenner	Metairie	New Orleans

Maine

Portland

Maryland

Frederick	Germantown	Gaithersburg	Rockville	Towson
Ellicott City	Aspen Hill	Columbia	Bel Air South	Wheaton
Baltimore	Bethesda	Silver Spring	Dundalk	Severn
Glen Burnie	Bowie	Waldorf

Massachusetts

Chicopee	Springfield	Methuen Town	Lowell	Haverhill
Lawrence	Worcester	Framingham	Waltham	Peabody
Medford	Malden	Newton	Everett	Somerville
Cambridge	Lynn	Revere	Brookline	Boston
Quincy	Weymouth Town	Brockton	Taunton	Fall River
Plymouth	New Bedford

Michigan

Georgetown	Wyoming	Grand Rapids	Kentwood	Kalamazoo
Lansing	Battle Creek	Flint	Pontiac	Waterford
Rochester Hills	Novi	West Bloomfield	Farmington Hills	Troy
Shelby	Ann Arbor	Livonia	Southfield	Ypsilanti
Canton	Sterling Heights	Macomb	Royal Oak	Clinton
Westland	Dearborn Heights	Warren	Dearborn	St. Clair Shores
Detroit	Taylor

Minnesota

Moorhead	St. Cloud	Duluth	Coon Rapids	Maple Grove
Brooklyn Park	Blaine	Plymouth	Minnetonka	St. Louis Park
Eden Prairie	Minneapolis	Shakopee	Edina	Bloomington
St. Paul	Maplewood	Burnsville	Eagan	Woodbury
Apple Valley	Mankato	Lakeville	Cottage Grove	Rochester

Mississippi

Southaven	Olive Branch	Jackson	Hattiesburg	Gulfport
Biloxi

Missouri

St. Joseph	Kansas City	Independence	Blue Springs	Lee’s Summit
Columbia	Joplin	O’Fallon	Springfield	St. Charles
St. Peters	Florissant	St. Louis

Montana

Missoula

Great Falls

Bozeman

Billings

Nebraska

Grand Island

Lincoln

Omaha

Bellevue

Nevada

Reno	Sparks	Carson City	Pahrump	North Las Vegas
Spring Valley	Las Vegas	Sunrise Manor	Paradise	Enterprise
Whitney	Henderson

New Hampshire

Concord

Manchester

Nashua

New Jersey

Wayne	Paterson	Clifton	Passaic	Bloomfield
Plainfield	Irvington	Newark	North Bergen	Union City
Elizabeth	Jersey City	Hoboken	New Brunswick	Piscataway
Bayonne	Edison	Perth Amboy	Trenton	Old Bridge
Camden	Cherry Hill	Middletown	Howell	Lakewood
Vineland	Toms River

New Mexico

Farmington	Rio Rancho	Santa Fe	Albuquerque	Las Cruces
Roswell	Hobbs

New York

Tonawanda Town	Amherst	Cheektowaga	Buffalo	Hamburg Town
Greece	Irondequoit	Rochester City	Clay	Syracuse
Utica	Union	Schenectady	Albany	Colonie Town
Troy	Ramapo	Clarkstown	Greenburgh	White Plains
Yonkers	Mount Vernon	New Rochelle	New York City	North Hempstead
Oyster Bay	Hempstead Village	Hempstead Town	Huntington	Smithtown
Babylon Town	Islip	Brookhaven	Southampton Town

North Carolina

Asheville	Winston-Salem	Mooresville	Gastonia	Greensboro
Huntersville	Kannapolis	High Point	Concord	Charlotte
Burlington	Durham	Chapel Hill	Wake Forest	Apex
Cary	Raleigh	Rocky Mount	Fayetteville	Greenville
Jacksonville	Wilmington

North Dakota

Minot

Bismarck

Grand Forks

West Fargo

Fargo

Ohio

Toledo	Lorain	Elyria	Parma	Cleveland
Springfield	Kettering	Dayton	Middletown	Cuyahoga Falls
Akron	Hamilton	Cincinnati	Columbus	Canton
Newark	Youngstown

Oklahoma

Enid	Stillwater	Edmond	Oklahoma City	Midwest City
Moore	Tulsa	Norman	Lawton	Broken Arrow

Oregon

Hillsboro	Beaverton	Portland	Tigard	Gresham
Salem	Corvallis	Albany	Eugene	Springfield
Bend	Medford

Pennsylvania

Erie	Millcreek	Pittsburgh	Scranton	Harrisburg
Lower Paxton	Allentown	Reading	Bethlehem	Lancaster
Haverford	Abington	Upper Darby	Lower Merion	Philadelphia
Bristol	Bensalem

Rhode Island

Pawtucket

Providence

Cranston

East Providence

Warwick

South Carolina

Greenville	Rock Hill	Columbia	Summerville	Goose Creek
North Charleston	Charleston	Mount Pleasant

South Dakota

Rapid City

Sioux Falls

Tennessee

Memphis	Bartlett	Clarksville	Jackson	Collierville
Nashville	Hendersonville	Gallatin	Franklin	Lebanon
Smyrna	Spring Hill	Murfreesboro	Knoxville	Chattanooga
Cleveland	Kingsport	Johnson City

Texas

Amarillo	El Paso	Lubbock	Odessa	Midland
Wichita Falls	Abilene	Sherman	San Angelo	Denton
Little Elm	Flower Mound	Frisco	Lewisville	North Richland Hills
McKinney	Grapevine	Fort Worth	Carrollton	Allen
Celina	Euless	Plano	Richardson	Arlington
Wylie	Irving	Grand Prairie	Burleson	Garland
Rowlett	Dallas	Mansfield	Rockwall	DeSoto
Mesquite	Waco	Killeen	Tyler	Temple
Longview	Leander	Georgetown	Cedar Park	Round Rock
Pflugerville	Austin	Kyle	San Marcos	Bryan
New Braunfels	College Station	San Antonio	Conroe	The Woodlands
Spring	Fulshear	Atascocita	Sugar Land	Houston
Laredo	Missouri City	Victoria	Pasadena	Baytown
Pearland	Beaumont	League City	Texas City	Port Arthur
Galveston	Corpus Christi	Edinburg	Mission	McAllen
Pharr	Harlingen	Brownsville

Utah

Logan	Ogden	Layton	Bountiful	Salt Lake City
West Valley City	Tooele	Taylorsville	Millcreek	Murray
West Jordan	Herriman	South Jordan	Riverton	Sandy
Draper	Eagle Mountain	Lehi	Saratoga Springs	American Fork
Orem	Provo	Spanish Fork	Cedar City	St. George

Vermont

Burlington

Virginia

Harrisonburg	Reston	Centreville	Roanoke	McLean
Arlington	Alexandria	Dale City	Lynchburg	Richmond
Newport News	Hampton	Suffolk	Portsmouth	Norfolk
Chesapeake	Virginia Beach

Washington

Bellingham	Marysville	Everett	Shoreline	Bothell
Kirkland	Seattle	Redmond	Bellevue	Burien
Sammamish	Renton	Olympia	Kent	Tacoma
Federal Way	Lacey	Lakewood	Auburn	South Hill
Vancouver	Yakima	Spokane	Spokane Valley	Richland
Pasco	Kennewick

West Virginia

Huntington

Charleston

Wisconsin

Eau Claire	Wausau	La Crosse	Appleton	Green Bay
Oshkosh	Fond du Lac	Madison	Sheboygan	Janesville
Menomonee Falls	Waukesha	Brookfield	Wauwatosa	New Berlin
West Allis	Milwaukee	Racine	Kenosha

Wyoming

Casper

Cheyenne