Few small business owners want to feel cheap, but most want to find 
affordable, effective business solutions. Health benefits are no different. In a market where the cost group health insurance are the norm, find cheap - and quality -. health benefits may seem difficult to achieve
A popular approach to health benefits for small business owners concerned about the costs and to meet employee expectations benefits is to pay health insurance premiums - instead of buying group health insurance policy. To understand how and why this approach can save small business owners from 20 to 60 percent on the cost of health insurance, here are 6 tips
Note -. This blog is based on our new infographic, 7 truths about the cost of health insurance in America. Check out the full infographic here
Tip # 1 -. individual health insurance costs less
Nationally, the annual cost of individual health insurance is below the average annual cost of health insurance group for most people.
average individual health insurance costs 43 percent less for individual coverage and 39 percent less for family coverage.
For those who are eligible for federal grants, individual health insurance costs on average 60 percent less for individual coverage and 68 percent less than the family coverage
More .: insurance costs individual health - a victory for small businesses
Tip # 2 - Employers who offer Health Insurance Pay 83 percent, on average
Across the country, employers contribute 83 per cent for individual coverage and 72 percent for family coverage.
Smaller employers tend to pay slightly more (85 percent) of the simple cover and much less (65 percent) for family coverage.
Because of the high cost and traditional political contribution requirements of health insurance provided by the company, many small employers are taking a second look at the individual strategy of reimbursement from health insurance
Tip # 3 -. All control costs with individual Health Reimbursement
insuranceWhen an employer decides to pay the insurance premiums, instead of paying for them, all employers control costs. Rather than pay premiums to the insurance company, the employer establishes a monthly allowance to reimburse employees for their premiums. Because individual health insurance costs less, the employer (and employee) contribution goes further.
In fact, the average employer could fully fund an individual family policy for less than they could finance part of the coverage of this family under. The policy group
Read more: Health Reimbursement individual insurance - The cost of the employer, and how to do it
Tip 4 - Loans to Make tax premium insurance more affordable
As I wrote about last week, premium tax credits are affordable individual health insurance for many employees and owners. Tax credits are available for plans offered on public procurement and eligibility is based on income. Last year, 85 percent of buyers were eligible for a discount with average tax credit of $ 272 / month
Tip # 5 -. Individual plans are not one-size-fits-all
Under the Affordable Care Act, individual health insurance plans have become more standardized, but still are not one-size-fits- all.
In fact, employees who purchase individual health insurance are able to choose the carrier, the level of coverage, network providers and the cost structure.
At the same time, choosing a health insurance plan can be a daunting task. Here are some tips to help you
Tip # 6 -. health benefits of "cheap", individual GB (No Group)
Due to economies of individual policies cost health insurance, it makes sense for business owners to build benefits around individual policies, not a political group.
here at Zane Benefits, we see customers save 20 to 60 percent on annual health benefits over traditional policy of group health insurance.
infographic -. 7 truths about health insurance in America
For more facts on the cost of health insurance and health benefits small businesses verify the full infographic below
S ource: Zane benefits
Conclusion
health benefits are an essential component of compensation offered to employees, and insurance for many small employers health is out of reach. A particularly well suited for small employers solution is to implement a rebate program for individual health insurance. With this approach, employers can offer affordable attractive benefits ... without the cheap air at all.
What do you think? What are your tips for health benefits at a low price? Leave a question or comment below.
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