29th March national famous mom and Pop business owners Day. In honor of all small business owners, this article provides an overview of health insurance options to control your health insurance costs to plan renewal time.
Plan It, AOS time for renewal and you just found your Insurance small businesses disease premium increases 20 percent for the same coverage. Again. Sound familiar? If yes, you, Aore not alone.
The number one challenge facing small businesses to offer health insurance is the cost. As such, it, AOS not uncommon to feel like your Medicare budget is spiraling rapidly out of control.
Have you accept these blows to your budget Medicare? No, you have options.
What health insurance options we?
Your budget for health insurance should not be to thank you for the renewal of annual increases.
Take control by exploring these health insurance options for small businesses:
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shop for plans more affordable,
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Work with your broker to negotiate your premium rates, or
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Change the employees to individual health insurance and put in place a premium payment plan to help. This is the most effective and permanent solution, because you, Äôll never be surprised by an annual increase again.
But Medicare Isn, AOT Group Only Way to offer benefits health?
No. You have options.
That you, AOVE offered health insurance in the past, or if you want to provide benefits for the first time, you may feel as traditional insurance of health group is the only way to provide quality health benefits. However, assuming that the group health insurance is the only way to provide health benefits is a Budget major pitfall .
Why? group health insurance is expensive.
According to the research of Kaiser Family Foundation , the cost to cover one employee increased by 174% since 1999, aÌ up 'at $ 6.025 / year in 2014. accordingly, only 54% of small businesses (fewer than 0 employees) still offer traditional insurance group health.
Small businesses no longer have to feel trapped by group health insurance. New more affordable alternatives are quickly adopted as:
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The SHOP marketplace and fiscal affairs to small Appropriations Health
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Co-Ops or PEO
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individual health insurance (with or without a refund of contribution of premium)
What, AOS friendly option most budget? individual health insurance, with a contribution of premium refund.
Why? Because individual health insurance costs 20 to 60 percent less and your company has full control over the costs.
Conclusion
budget for health insurance does not have to be the death of your operating budget.
by adopting individual health insurance and a premium payment plan, small business owners, start-ups, nonprofits and shops and mom pop can offer affordable health benefits and take full control of the cost of health insurance.
What challenges small business health insurance are facing you at renewal time plan? We, like AOD to hear you. Leave a comment or question below.
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