For a small business owner, it's important to understand the minimum participation requirements necessary for group plan eligibility. Though requirements vary by state, the following generally serve as an industry-standard regarding group health insurance plan participation:
A minimum of at least 75% of "net eligible" or 50% of "total eligible" employees participate in the health plan.
"Total eligible" employees are the sum of all eligible employees (full-time working>30hr/week).
"Net eligible" employees are the total eligible employees minus those eligible employees who have credible coverage through elsewhere (i.e., through a spouse, Medicare, etc.)