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More than 70% of working people receive health insurance through their employer. Offering a small business health insurance plan to your employees has serveral advantages: * As an employer, you can get tax deductions for contributions to the plan. * Employees who have health insurance have less absenteeism and are more productive. Finding an Affordable Plan Small business health insurance costs less than individual insurance but can still be expensive. To save money for yourself and your employees, investigate your options and choose the best type of plan for your business: * Managed health care plans such as HMOs and PPOs cost less but offer fewer services and choices. * Indemnity health plans are more expensive but offer more comprehensive coverage options. * Medical savings account plans combined with high deductible health insurance are a newer option offering both flexibility and very affordable rates. You may decide to offer more than one type of plan and let employees choose the one they want. Comparison Shop for the Best Rates It's important to compare plans from several insurance companies in order to get the best rate. The easiest way to do this is to go to an insurance comparison website and fill out a simple online questionnaire. You may need to estimate some information, such as your group’s average age and health history. The best insurance comparison websites have insurance professionals on hand to answer your questions and give you advice on how to get the best rate and the best policy for your situation (see link below). You can also adjust the information to see how it affects your premium. For example, you can request a quote with different deductibles and co-pays to see if the premium is less. Once you submit your application you'll receive quotes from several A-rated insurance companies and you'll be able to select a plan that is right for your company and your employees. Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get small business health insurance plan quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on small business health insurance plans.
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