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Employer Compliance

EMPLOYER COMPLIANCE WITH THE HEALTH INSURANCE ACT 1970 AND THE HEALTH INSURANCE (EXEMPTION) REGULATIONS 1971

 

What is Employer Compliance: Read the FAQs

The Health Council monitors and enforces compliance with the Health Insurance Act 1970 and the Health Insurance (Exemption) Regulations 1971. In accordance with the Health Insurance Act 1970, employers must provide laid-off employees with four weeks of standard health benefit coverage, starting from the first day of the layoff period.

Every employer is required to provide health insurance for employees working over 15 hours per week and more than two months in the calendar year, according to the Health Insurance (Exemption) Regulations 1971. They must also insure an employee’s non-working spouse. The employer is responsible for paying the full health insurance policy premium. They are only required to contribute half of the standard premium rate. The employer may deduct the rest of the premium amount from the employee’s pay.

  • Provide employees with health insurance as of their first date of employment.
  • Insure an employee’s non-working spouse.
  • Provide coverage through a policy in the employer’s name.
  • Obtain a policy through a local licensed health insurer (Argus, BF&M, CG Insurance, and Health Insurance Department).
  • Provide basic coverage to employees previously insured through their spouse.
  • Contribute half of the standard premium rate towards the premiums for both the employee and their non-working spouse.
  • Provide their employees with information about their insurance contract.
  • Notify employees in writing if the policy is lapsed or terminated.
  • Provide employees with paystubs outlining deductions for health insurance coverage.
  • Pay employees’ medical bills during periods of non-coverage.
  • Provide personal details needed to start a policy; i.e. Social Insurance Number.
  • Confirm your health insurance status when you start your job.
  • Keep a copy of all your paystubs, noting what is being deducted for health insurance.
  • Provide the employer with copies of medical bills incurred during periods of non-coverage.
  • Notify your employer of changes in spousal employment status.
  • Receive basic coverage through an employer if previously insured through a spouse.
  • Summer students employed during a school break.
  • Anyone working less than 15 hours per week and two months per year.
  • Employees who already have coverage through their primary employer.
  • Retirees who are employed but have coverage as a retirement benefit through their previous employer.

For further information about how we manage complaints against employers, contact the Health Council at 292-6420 or healthcouncil@bhec.bm.

SUBMIT A COMPLAINT

To view Employer Compliance Annual Reports

Click Here

To view 2025 Licensed Health Insurers and Approved Health Insurance Schemes

Click Here

To view the list of Non-Compliant Employers

Click Here

To monitor compliance with the Health Insurance Act, we require local insurers to report businesses with inactive (on-hold) and terminated policies with claims not being paid. Insurers also inform the Council of new and canceled insurance policies.

Additionally, we accept complaints and queries from the public regarding health insurance coverage. If you feel you are entitled to health insurance and are not receiving coverage, or, have any questions, please contact us by calling 292-6420 or emailing employercompliance@healthcouncil.bm.

According to Bermuda Health Council records, the following employers did not provide to the Bermuda Health Council the evidence requested as proof that the employer had affected or continued in force a contract of health insurance in accordance with Section 20(1) of the Health Insurance Act 1970 as of 5th June 2025.

This list will be updated in real-time as employers provide evidence of an active health insurance policy that is verified by the insurer.

The Health Council encourages you to be aware of your insurance coverage. Therefore, if you know of any changes, please let us know.

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Business Name Employees Affected
Business Name Amicus Group Ltd Employees Affected 3
Business Name Anfossi Management Limited Employees Affected 6
Business Name Araujo Construction Employees Affected 4
Business Name ARM Services Bermuda Ltd Employees Affected 5
Business Name Axum Ltd Employees Affected 4
Business Name Cut Creator Barbershop Employees Affected 3
Business Name Even Par Ltd Employees Affected 3
Business Name Harbor View Corporate Services Ltd Employees Affected 3
Business Name Island Landscaping Employees Affected 5
Business Name Jason Dennis T/A Serpentine Liquors Employees Affected 5
Business Name LJR Landscaping & Maintenance Employees Affected 3
Business Name P&M Maintenance Employees Affected 3
Business Name Quality Air Employees Affected 3
Business Name RJS Landscaping & Evacuation Employees Affected 6
Business Name Shawn McAlpine Talbot T/A Nourished Bermuda Employees Affected 6
Business Name Taste the Rainbow Employees Affected 5
Business Name Total Environmental Solutions Employees Affected 8
Business Name Undercover Tent Rentals Employees Affected 3