- Weigh the benefits against the plan costs.
- Research the insurers:
- Financial stability.
- Ease of administration.
- Overall quality of service.
- Consider cost-saving strategies.
- Review at least two or three health insurance carriers.
- Review at least two or three different health insurance plan options.
- Learn about how brokers and agents work.
- Ask for referrals from sources you trust.
- Be sure to understand any fees you may be charged in addition to the health insurance premium.
Decide how costs will be shared. Here are some items to consider:
- How much will employees contribute toward the premium?
- How much will employees have to pay for copayments or co-insurance?
Decide how important choice of providers is to you and your employees.
- Decide what type of coverage you want to provide, such as HMO, PPO, or HSA.
- Understand coverage rules and options.
- Calculate the total amount you can spend.
- Calculate per-employee cost you’re willing to spend.
- Consider cash flow issues.
Choose a date at least 30 to 60 days from when you start the process for coverage to begin.
Here are the essential tasks associated with shopping for and purchasing health insurance for your small business. Use this checklist to keep track of where you are in the process. For additional help navigating your options or enrolling in a plan, consider contacting a broker near you who can help you consider the best plan for your business.
Organize information about your business.
- Basic information such as the type of business, when the business started, etc.
- Quarterly salary and wages for last two quarters.
- Employee census information on all W2 salary employees and owners.
- Use standard forms from agent/broker/insurer or visit www.HealthCoverageGuide.org to download the Employee Census Data form.
Los planes de salud son complejos. A menudo se cargan con tantos detalles que puede ser muy difícil concentrarse en los problemas que son más importantes para usted como propietario de una pequeña empresa. En términos muy generales, las principales consideraciones que debe tener se reducen a los beneficios, el costo y la elección del plan. Recuerde estos tres temas principales al evaluar y comparar planes.
Avanzando un paso más, asegúrese de responder las siguientes preguntas al considerar un plan: