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Basics of Group Health Insurance
 
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What Is It? 

Group health insurance is employer-sponsored health coverage for business owners and employees. Often times, group health insurance also covers spouses and dependents. The majority of health insurance plans in the marketplace are through employer-sponsored plans. The advantages of having health insurance through your employer is that the premium is shared by the company so what you pay is less than private health insurance. From a company standpoint, their are tax incentives in providing health insurance for your employees, and more importantly, it will allow you to retain high quality employees because of the benefits you are providing them. 

How Does Group Health Insurance Work? 

Employers are generally offered favorable health insurance plans when compared to private individual health insurance. Once they choose a couple of plans that fit their budget, they must have a certain percentage of the employees participate and contribute towards the insurance premiums. Typically, employers are required to cover at least 50% of the employee's premiums. The company can also choose to cover dependents on their employer-sponsored plans. 

Why Would I Offer Health Insurance To My Workforce? 

As your company starts to grow, adding high quality employees is crucial to your success. Adding a group health insurance plan for your employees will help you attract and retain the best workers. Moreover, employee satisfaction will increase because your employees know you have their best interest in mind. 


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