small business owners say the cost of the health insurance is one of the largest 
business challenges with the affordable care Act that increased resources to provide health care to employees.
How business owners can get a handle on the cost of insurance and health benefits? Here are six tips - from classic to unconventional -. To help
1. Employee training
Employees may not realize the value of the benefits they currently have. If they are not using their maximum benefits, then your small business does not get the most out of your money. Train employees on the benefits and how to use them.
2. To encourage preventive care and wellness
make it easy for your employees and their families to stay healthy by promoting prevention. This can be done through education, welfare programs, and a culture of health and wellness.
3. Focus on the most valuable benefits
If you decide that you need to eliminate some of your benefits, be sure to keep those employees care about most. Target your benefits for improved efficiency and effectiveness instead of cutting the basis of cost alone. Consider which programs have the most value to your employees and your bottom line
Related -. Top 5 Health Insurance Options for small groups in 2016
4. Evaluate a consumer directed health plan (HRCP)
A HRCP is a health strategy that involves consumers to make decisions about their health care. CDHPs encourage employees to make informed decisions and spend wisely -. Which can lead to reduced costs for the company
CDHPs come in various forms, but usually this means offering a high deductible health plan combined with an expense account for costs outside pocket, as a health savings account (HSA) or health Reimbursement arrangement Integrated (HRA).
5. Increase cost-sharing
Another strategy used by companies of all sizes is shifting more costs of health insurance for employees. Although this is a less popular strategy from a moral point of view of employees, it is a decision many companies have done over the last decade. It is especially common for companies to reduce contributions to cover the family.
6. Paying premiums instead of paying for them
Many small businesses are transitioning away from health insurance provided by the employer and choosing to reimburse employees for their individual health insurance plans purchased. With this approach, the company controls all costs while providing quality health services employees.
The small company simply defines the amount they can afford, and provides health insurance employee benefits. Employees then use their allowance to buy individual health insurance coverage and are reimbursed by the company, up to the amount available in their balance.
Over the last 15 years, the cost of group health insurance premiums increased by more than 0 percent - is well above inflation and wages. Today, the average total cost to cover an employee is $ 6,251 per year for single coverage (2015) and $ 17,545 per year for family coverage.
Meanwhile, individual health insurance has become more accessible and more affordable. In many states insurance costs individual health up to 60 percent less for similar coverage.
As such, both the company and employees can save on the cost of health insurance contribution with this strategy.
Conclusion
With the escalating costs of health insurance for employers, small businesses must take action - both big and small -. to manage the cost of health insurance while meeting the expectations of employee benefits
What strategies is your small business use to meet the rising costs of care health? Leave a comment below.
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