Most people know how much money is spent each year on traditional health benefits. But did you know that in the US, taxes, monthly premiums, and the insurance remains refuses to pay bills, including, we spend more money on Insurance disease than almost any other product? And even if you are able to have access to employer provided insurance, disadvantages can be numerous: the soaring premiums, deductibles constantly increasing, inability to choose your doctor or even the particular plan you want. 
Despite some frustration and exorbitant costs of traditional health insurance, these plans have yet to change. Insurers are still built exactly the same coverage plans that often do not match the needs of the majority of Americans.
For employees , traditional health benefits can work against you because they are
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Growing more expensive all the time because of new and more expensive technologies, treatments and medications
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according to someone another (a group administrator) by selecting a plan for you, so limit yourself by dictating what doctor or health care professional, you can visit and what services you can receive.
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Become picked lower and because employers can not afford quality plans
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socially questionable -. when a plan fails to take advantage of its consumers, but members can not live without it, many problems can occur.
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prevents you retire or work a job you don 't really want, all in the name of keeping your employer provided benefits.
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too limiting because they are not portable. If you fired or laid off from your job, how to take care of chronic or acute diseases for you and your family?
For small business owners , traditional health benefits can work against you because:
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management spends time on the insurance that could and should be spent elsewhere. You should focus on your product, service and customer experience. Manage group health insurance is a different time, you do not spend managing and improving your business. Even if the company is large enough to justify a dedicated group of health insurance manager with Medicare costs recently exceeding the profits for many businesses, most managers find themselves spending hours managing their benefits program for the health of the group.
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is expensive. There are simpler, less more health care needs " ways to meet your complicated and profitable employees.
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is to contribute to an expenditure of nearly $ 4 billion in our country, but we are unhealthiest developed nation Earth.
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You will probably be on the same plane to group your employees are on, pay high premiums, deductibles, and unsure of the coverage you really have until 'that a medical problem occurs. People are often shocked by how much their insurance does not work cover when they actually need.
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When the employees group insurance, they are not eligible for the government tax credits and grants . This often leaves them with huge costs and a large gap between the quality of coverage.
Conclusion
traditional health benefits are disadvantageous for both employers and employees. It is expensive for everyone, it is not portable when a person separates a business, it is time to manage, and it is limited in many aspects. Ultimately, traditional health benefits can not be doing yourself a favor after all.
What do you think about the pitfalls of traditional health insurance? We'd love to hear your opinion!
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