If you run a small business, an innovative, cost effective solution to a persistent challenge can easily make the difference between thriving and just keep the doors open. With such a complex challenge as health insurance, the stakes are even higher.
Between the fulfillment of government guidelines, keeping costs at a reasonable level, and attract and retain high quality employees, small businesses find themselves in a precarious situation. To offer affordable health insurance that employees really want, small businesses desperately need creative solutions that the level playing field.
Large companies have long enjoyed the ability to offer health insurance schemes robust group that traditionally have provided a distinct advantage in recruiting talented professionals. However, the industry has changed. The Affordable Care Act and the subsequent exchange of health care is part of a new story for companies that employ only a small number of people.
There are affordable health insurance story that fits the unique circumstances of each person.
No two companies - or individuals - are exactly alike
No two companies are exactly the same -. and are not two people. Old-school group health care plans are as complex, time intensive and inflexible for talented potential employees as they are for small businesses.
Does one size for managers of enterprises large and small? No. Similarly, no two employees have the same mixing, and medical and dental vision needs.
Be flexible and offer freedom.
Today, people look for a personalized experience in everything from dining out to order shoes. These expectations are not health care and insurance coverage regarding different
This is about meeting the specific needs of a person without having to pay anything unnecessary. - Especially considering drastic changes in premiums in recent years. The family premium $ 17.545 annual average in 2015 is 27% higher than in 2010 and 61% more than in 05, according to a report by the Kaiser Family Foundation .
Avant-garde, flexible approaches to smaller health insurance companies use what is available, maximize benefits and reduce waste for each employee and the employer. For example, Zane Benefits uses the proliferation of individual policy options in the market to provide defined contribution very cost-effective health plans.
defined contribution health plans are an affordable alternative to group health insurance plans sponsored by employers, largely because they give the freedom and control to individuals while allowing small businesses provide medical reimbursements duty.
businesses and individuals to find savings in the same place.
With the emergence of defined contribution health, leading companies no longer hold all the power when it comes to benefits. The solution allows online ZaneHealth a collaborative process that provides significant cost savings for small businesses and people who work for them
- The Company establishes an allowance -. Based on a variety of personal factors - that belong to it in each employee health check.
- employees use an exchange or private insurance market to choose a policy with coverage levels and benefits that suit their particular needs.
- ZaneHealth the company uses the software to reimburse employees for costs the health system until their account balance.
- reimbursements are tax-free, save money for employees and the same company.
Conclusion
when implementing a group insurance plan is more expensive and complicated, contributions to health plans are proving to be determined cost effective solution for small businesses have been looking to stay competitive and attract high quality professionals they need.
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