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Saving Money On Group Health Insurance

If you’re a small business owner, you know how important it is to stay competitive, keep your costs low, and your profit margins healthy. Healthcare costs have been rising steadily for years… so it’s more important than ever to find effective ways to save on your group healthcare costs.

If you want to attract and keep the best and brightest employees, you need to offer the best health plan you possibly can. But you also need to get the most value out of your healthcare dollars.

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Finding The Best Deal On Group Health Coverage

Here are five ways you can help save money and provide the best available healthcare options to your employees.

  1. Talk to your employees. Try and find out as much as you can about your employees’ healthcare needs and what they expect from your group health plan. You may not need to offer as much coverage as you think.
  2. Look for a plan that's specialized for small business. The regulations — and premiums — are different for large and small businesses. You’ll find that an insurer catering to business owners is a better fit for your small business insurance needs.
  3. Spread the premiums around. It's common for small business plans to split the premium between the business and the employees. Check with your employees first to find out just what they consider a reasonable contribution to be.
  4. Make sure the plan you choose is flexible. Buying into a flexible group health plan allows your employees to select the exact level of insurance they need. It can also offer you significant savings on your portion of the premiums.

It pays to talk a professional insurance agent, too. They can show you a variety of different plans, from many different carriers. To start talking with agents licensed in your area, use our free quote service. One simple form will get you matched with agents, so you can compare plans and make the right choice.

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