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Health Insurance
Next to payroll, group health insurance is an employer's most costly monthly expense.
National spending on personal healthcare has increased 1,629% since 1980 — that’s more than $3 trillion — nearly seven times faster than inflation.
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27 YEAR OLD STRATGY
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HSAs and HRAs.
7 YEAR OLD STRATEGY
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Insure Wellbeiong; Get full coverage for deductible and coinsurance with no net cost. Keep your HSA contributions, you may invest this cash in your 401K further reducing taxes if you wish.
Level Funded Plans
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Like Self Funded Plans for larger employer groups, level funded plans provide small employers the ability to partially self fund, potentially to save a great deal in premium. Level Funded plans are uncerwritten, meaning the risk of the group is determined via an Rx global database (20 or more employees) or by employee medical history disclosed on enrollment applications. Fairly 'healthy' groups may save a great deal of premium and may have an unused portion of premium returned. We highly recommend small employers investigate and quote level funded plans.
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