You worked hard to get to this point. You are finally able to offer what will be a reward for those who have worked alongside you and what will attract new talent to 
your team as you continue to build in the future. You are ready to offer the reimbursement of health care to employees. But where to start?
Since health insurance is linked to employment (beginning after World War II), the group health insurance has been the norm. It is easy to see why business owners are attracted to this form of health care: it is relatively simple and everyone has the same plan. But can you cover all the needs of your employees?
When employees have different health benefits expectations
Since the Affordable Care Act was passed (2010) another option open: reimbursement of individual health insurance. Basically, your budget an amount to spend on employee health benefits. Your employees then choose the insurance that better suits their needs and pay you up to the amount budgeted ... tax free. Other advantages to this model:
- Also relatively simple (but this time for you and the employee)
- Employees choose the plan that best fits their needs
- companies can save between 20-60% with this option
- Just as easy to report on your taxes as health reimbursement group
Conclusion
that you currently offer the insurance group or seek to provide reimbursement for health care to employees for the first time, the first step is to talk to your employees. Maybe the group insurance is the direction of your company wants to go, but we think we offer something that will make a step above for both you and your employees. For you and your employees more about what we offer to educate, take a look at our free resource listed below :. The Small Business Guide to Health Individual Insurance Reimbursement
If you have questions about what we offer, or if you just want to say hi, we want to hear you! Comment on the blog below.
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