How-to Save on Small Business Health Insurance
With almost 1 million small businesses in Illinois, proprietors are perplexed by how to save on small business health insurance. Cost is the number one deterrent for small businesses unable to afford health insurance coverage. Conversely, a report, published by eHealthInsurance indicates that employees consider health insurance golden, second to financial compensation. The question becomes: what can small businesses in Illinois do to reduce health insurance costs?
Although contracted employees don’t require insurance benefits, talent retention is the underlying incentive for the corporation with fewer than 100 employees to extend medical coverage. Use the following tactics to shop for affordable small business Illinois health insurance.
1) Ask employees to prioritize their health benefits. Educating employees about the astronomical costs of health insurance presents inspiration to help cost containment. Employers should ask how much each worker is are willing to contribute to their health insurance, identifying which benefits are necessities for a viable health plan.
2) Given the requests, select a high-deductible health plan (HDHP) along with a health reimbursement account (HRA). (HDHPs typically have a $1200 to $4000 deductible). An HRA is an account funded by the employer to compensate qualified out-of-pocket expenses and/or deductibles. These reimbursement accounts can be carried over for several years.
Meanwhile, high deductible health plans combined with a health reimbursement accounts have been found to reduce small business health insurance in Illinois by a minimum of 25 percent.
3) Consider other health insurance accessories. For example, disease management programs are designed to help employees, suffering from chronic illnesses, improve their well being by working with a staff appointed medical professional and making lifestyle changes. Flexible-spending debit cards allow workers to apply pretax dollars for expenses not covered under health insurance plans to cover medical costs (in example over-the-counter (OTC) medications).
4) Obtain a minimum of three different health insurance quotes from a licensed agent. Mike Novelli, an Illinois health insurance representative, recommends obtaining health insurance quotes from providers with a minimum rating of a B+ or better.
5) Since, insurance policies are complex in nature, be sure to ask your insurance agent to clarify as many details as possible before opting for a plan.
Click “Illinois small business health insurance quotes” to compare three B+ rated providers. Ask for Mike at Illinois LifeandHealth.com for details.
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