If you requested a small business owner mean what they thought about health insurance options to their start, what do you think they would say? 
I guess some of the answers would be simple, like "ugh" or "do not get me started." Or, maybe you will get a long history of negotiations and a ton of time on the phone with the insurance company.
the truth is, health insurance starting ISN 't always fun to talk to, and it is one of the main small business challenges . While many owners have a lukewarm reaction to it (at best), others have information or perceptions that are just ... bad.
Of course, here we love Zane Benefits break the health insurance options to help startups see what health benefits can -. help you attract and retain the best employees
Therefore, to help make clearer starting health insurance (and maybe a little more exciting), we demystifying the first five stereotypes start of health insurance.
Stereotype # 1 - startups can not afford health insurance
If you're like most start-up, you hear "health insurance" and immediately assume you can not afford it. Or, maybe you got some quotes and are, in fact, reeling from the sticker on premiums
Reality -. It is true that premiums for traditional group health insurance premiums are skyrocketing. But what many startups do not realize is that they should not buy a group health insurance plan to actually provide health benefits. They can set up a benefits program to reimburse employees for individual health insurance. With this solution, the start name their price for health benefits
Stereotype # 2 -. There is no health insurance options for starting
Reality - What you are the only employee W2, or you have a small and growing workforce, it is easy to get frustrated with the Medicare choices (or lack of). But the reality is when you think outside the box a little more options open.
Have you considered giving employees an allowance to use on health insurance (well, it may even be tax free)? Have you checked the Store market or cooperative?
There are more small health insurance options for the company than there was. A Medicare plan little expensive group is not your only option. You just need to think outside of the box
Stereotype # 3 -. The Affordable Care Act is bad for starting
Reality - It is common to think that the affordable care Act (aka Obamacare) is bad for small businesses. But in fact, Obamacare creates new health insurance opportunities for startups. How? Three words. individual health insurance.
individual health insurance is arc better, and more affordable than group health insurance. As such, startups can use the advantages of individual health insurance as the basis for health benefits. And startups with less than 50 FTE employees are mandated to provide health insurance under Obamacare
Stereotype # 4 -. Startups Can 't Compete with Big Health Insurance Corporation
Reality - The health benefits of your offerings start might be different than a large corporate deals, but the truth is you can compete with larger companies.
In fact, a recent survey by the Kaiser Family Foundation found that 75% of employees working for small employers (not currently offer health benefits) prefer $ 2 / hour more real salaries plus health insurance. What does it mean? Employees want choice. And they prefer the money (or contribution) to go buy the insurance they want - rather than receiving a one-size fits all system of their employer
Stereotype # 5 -. Under Obamacare, Our start has to offer health insurance
Reality - Assuming that your startup is less than 50 FTE employees, there is no requirement under Obamacare for your business to provide health insurance - and no penalties if you do not.
Conclusion
As a startup, you have options for health insurance, and you can allow. How? Savvy small business owners think outside the box and individual repayment adoption of health insurance. This approach demystifies many stereotypes about what the startup Medicare is - and should be. Above all, it provides a way to offer a great start health insurance. What do you think? Leave a comment below.
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