Healthcare

Get organized

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Quick Overview

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.

Preguntas que hacer

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:

Questions to Ask

Health plans are complex. They’re often loaded with so many details that it can be very difficult to focus on the issues that are most important for you as a small business owner. Very generally speaking, the main considerations to worry about boil down to the plan’s benefits, cost and choice. Remember these three main issues when evaluating and comparing plans.

Taking it a step further, be sure to answer the following questions when considering a plan:

Healthcare Glossary

Feel like the small print on your health plan or advice from your broker is a foreign language? Our glossary makes it easy to decipher what some of the most common terms you may come across mean for you and your business.

Point of Service (POS) Plan

A type of healthcare plan that offers cheaper service if you use doctors, hospitals and other providers in-network for your insurance plan. These plans typically require you to receive a referral from your primary care provider to see specialists, making them more flexible than an HMO plan but less flexible than a PPO.

Healthcare Plan Comparison Chart

Here's a breakdown of what various plan types typically feature. As you read about each type, just remember that today's health coverage market often offers "blends" of these traditional types. *Monthly premiums represent the total cost for a single employee (both employer and employee contributions). If you share premium costs with the employee, your business costs will be less.

HSA

Health Savings Accounts, or HSAs, are savings accounts that are combined with a high-deductible health plan. Because high-deductible plans generally cost less than low-deductible plans, HSAs are a good option for employers who cannot afford a comprehensive (low-deductible) health plan. These savings accounts are controlled by the covered employee and are intended to help pay small and routine health care expenses. Both employers and employees may contribute to HSAs.

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