This is a major challenge for small business owners: how to reduce the price of cover 
health care for their employers without reducing benefits. While companies with 50 staff or less technically should not offer coverage, many feel it is their responsibility to provide this key support for employees and their families.
In fact, most employers consider the coverage of subsidized health care an important part of their benefits. Besides wanting to contribute to the welfare of their employees, small business owners recognize that they need to offer competitive advantages to keep talented professionals to move to jobs in large companies.
However, providing good coverage for employees health care at a reasonable price seems to get harder every year. There are a variety of reasons and in different ways companies try to meet the challenge.
Why do Americans spend so much on health care
Spending on health care in the United States were more than $ 20000000000 in 2012 - the highest amount in the world. growth of health spending rate had actually slowed for several years, but recent projections say that it starts to rise rapidly again. Spending should increase by 4.9% per year, per capita from 2014 to 2024, according to the Health System Tracker Peterson-Kaiser.
spending on all health care increased 5.3 percent in 2014, according to the Centers for Medicare and Medicaid Services - far more than the growth of 2.9 percent in 2013. many debates the impact of the affordable care Act has had on expenditure but today the main question is, "what now?"
reasons for never -rising money that Americans spend on health care is tangled and complex, but some factors are quite clear and quite agreed. Important drivers include higher prices for medical procedures, hospital days and medications; greater use of medical resources; higher administrative costs; lack of knowledge on medical care and its cost; and poor overall health of Americans.
ways companies seek to reduce costs
With the cost of health care and insurance prices steadily rising, it is very difficult to small businesses to avoid passing these costs to their employees.
on the surface, many think the main alternative is to stabilize premiums by reducing the scope and / or quality of benefits they offer. The implementation plans with higher deductibles, copays higher or less complete services are common practices.
increased premiums for spouses and dependents is another recognizable way that companies try to offset rising costs.
an option for cutting costs without cutting benefits
to reduce insurance costs without minimizing the benefits offered to employees, many small businesses try Plans consistent reimbursement of individual health insurance. In this model, the staff of the shop and to obtain their own appropriately sized insurance plan - completely independent of the employer -. That meets the unique needs of them and their families
Employees end up with a personalized health coverage, but support also tax free from their employers, who can pay workers prevention services and insurance premiums. In addition, certain employees are eligible for premium tax credits.
Conclusion
When done intelligently, in the federal guidelines, plans for individual health insurance reimbursement provide a simple way for small businesses to reduce cost of health care without reducing benefits.
If you have a question about the implementation of federal compliance repayment plans individual health insurance, leave a comment below.
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