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 Posted: Sun Aug 31, 2008 7:11 pm Post subject: best health plan for small componay |
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we have 8 eligible employees in tx. company pays 75% of costs. the kids dont opt for insirance, think they're bullet proof, & then things have happened to them
it would be nice if our company could have 2 plans; 1 good plan for older employees, 1 catastrophic plan for the kids
hsa's look pretty good; but the employees have to have individual policies, & if anyone has preexisting conditions that can be tough.
best of all worlds would be: employees could contribute $50 or $100/month, company contributes 3x that, employees can choose from a couple group plans, use left over money for meeting deductibles etc
anything like that out there?
thanks,
bob
dallas |
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bhawkins99
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Joined: 31 Aug 2008
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| Posted: Mon Sep 01, 2008 11:36 am Post subject: |
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Well, with the HSA qualified plans the employers takes out a high deductible health plan which lowers their cost of premium payment. The health plan then gets attached to a saving account, which may receive contribution both from the employee and the employer.
HSA works well with the employers with sound financial capacity, who will be able to absorb the financial burden to provide the coverage to the employees at the time of need. With small employers, it may not work well.
You are required to apprehend your needs before you apply for a plan. Discussing the issue with a seasoned agent may also help you in analyzing the alternatives available to you.
~Jeremy |
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JeremyHolter
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| Posted: Tue Sep 02, 2008 3:33 am Post subject: |
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You can always raise the employer's contribution level to 100%. If you want all of your employees to have health insurance, that is the only way to make that happen.
A lot of folks are penny wise and pound foolish. It is a shame, but that is the way it is.
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Alston
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| Posted: Thu Sep 04, 2008 12:21 am Post subject: of course |
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of course there is you can have a dual option program. This is where you have 2 different plans with the same company for the same group
Chad Levin
EasyToInsureMe[dot]com
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EasyToInsureMe
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