small business owners who offer health insurance - or that are considering offering 
health benefits - have an important question to consider: what kind of performance will be best for the company and employees
sense of traditional affairs said offer an insurance plan group health is the best way to go, but here's something to consider -. Cancellation (or do not provide) the group health insurance can be a boon for employees, and the results of your small business
Why? According to a recent Forbes article, there are three main reasons.
escalating costs of Group health insurance premiums
Over the last 15 years, the cost of group health insurance premiums increased by over 0 percent - exceeding the measure of 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, it is a kindness to allow employees (and corporate) to save on the cost of health insurance.
health insurance subsidies
For many employees and small business owners, subsidies to Medicare are even more affordable individual health insurance.
How affordable? For those who qualify, the premium payment was less than $ 100 in 2015. Those who make about 47,000 (single) or $ $ 97,000 (family of four) are eligible.
But of course, an employee of the middle of the pocket out is only eligible for these discounts if he or she does not have access to insurance affordable group health by an employer.
As such, it can be a boon for small businesses not offering health insurance for employees - and their families -. Access to subsidies for health insurance
BenefitsHealth Software to facilitate the transition
For decades, the predominantly offer health benefits was a scheme group health insurance. Today, as more and more small businesses transition employees to individual health insurance, times change. And yet, you can still have hesitations. That's where a specialist company health benefits can bring the expertise and assistance
Health benefits software companies that specialize in individual repayment of health insurance can help your business.
- Develop a plan according to reimburse employees for individual premiums.
- Provide resources to employees to choose an insurance plan individual health.
- Manage program benefits quickly and easily.
Conclusion
With the escalating costs of traditional collective health insurance, affordability of individual health insurance, and the ability of companies to repay individual premiums, many small businesses find it a kindness to employees to cancel the collective health insurance.
What do you think? What questions do you have? Leave a comment or question below.
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