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HEALTH INSURANCE

Small Business Health Insurance

Today's small businesses have a difficult time providing health insurance for their employees. Many small businesses just cannot afford the high premiums that the health insurance companies charge, leaving their employees to fend for themselves. Adding this benefit to their roster would greatly improve things like employee morality, and it also makes the company look more legitimate as a whole when they offer benefits such as health insurance. Typically, a small business is considered any business with between two and fifty employees. In many cases any business with more than 50 employees does not qualify for small business group insurance. Many business owners fear paying a premium for their employees to be covered; however there are actually many benefits to doing so. First, the premium amount is spread out more when it is covering a group of people, thus lowering the overall cost. Secondly, the cost of group health insurance to employees is 100% tax deductible. These two benefits, along with the satisfaction of knowing your employees have health insurance, make this a very easy and obvious choice. It is up to the business owner to decide which form of health insurance they want to provide, such as a PPO or HMO, or other plan. The company the owner chooses will calculate a variety of factors for the whole group together in order to determine the group rate. Things such as a age, number of dependents needing coverage, tobacco use, and the state in which everyone lives are just a few of the factors.

With the ever rising costs of healthcare in America, it's no wonder many small businesses have strayed away from the idea of providing health insurance for their employees. The bottom line is definitely important, but it's also important to know that by purchasing a group policy, the premium will be lower for all involved. Individual health insurance costs are the highest in the nation. With group coverage, everyone saves. Talking to an insurance broker can help you to find a company that will offer the lowest rates. The broker will factor in the various statistics of all of your employees, the state in which your business is located, and what you are willing to pay. Business owners have the option of paying 25 or 50 percent of the overall premium, so this is also something to consider. It is very important that you know the guidelines set forth by your particular state, since they are all different. When talking to an insurance broker, see if you can get both group quotes and individual quotes. Not only will this allow you to do a side by side comparison of what rates are out there, it will also let you present these numbers to your employees if you so choose, so that they may also decide on which plan they want. Small business health insurance offers a great benefit to all, including the business owner. Talk to your local insurance broker about some quotes on a group policy today.

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