You’ve always taken care of yourself. Now you’ve got to take care of others.
Suddenly, you’re responsible for your own health insurance.
(Just take a deep breath. Here’s how we’ll start.)
Congratulations on your growing business. Of course, when you start taking on employees, you start taking on a whole new level of responsibility. Healthcare
is a huge part of that. Especially given the daunting array of options these
days. Arriving at the best one is part business (“What will help attract and
retain good employees?”) and even part personal (“These aren’t just good employees, they’re good people”). With everything you need to consider, it
can be daunting. But you’ll do the right thing. We’ll help. Together, we’ll look
at your business landscape, hone in on the three plans that really seem to fit. Then we’ll get tough, questioning the limitations of each, running through the pluses and minuses. One will stand out. I promise you that. In the end, you’ll find a health insurance plan that’s best for your employees and your business. And you’ll feel good about the care you’re providing.
Call me, Christina Evans,
A few answers to a few questions you might already have:
When do I need to offer group insurance? In most cases, if you have 50 or more employees, you must offer health insurance.
Can I offer plans to certain groups of employees? In most cases, if you are offering health insurance to your employees, you must offer to all groups of full-time equivalent employees.
If I don’t offer insurance to my employees, are they required to buy insurance? Yes, they are required to have health insurance or will be penalized.
Is group insurance less expensive than an individual plan? Not usually, though if the costs are shared with employee and employer, it is less expensive for each.
What are HSA eligible plans? A Health Savings Account is an account that you can set up to deposit tax-free dollars to go toward your medical expenses. This account can be rolled over year to year if there is a remaining balance. Some experts call it one of the most under-utilized tax shelters.