A good plan protects your employees’ health and finances.
It affects recruitment, retention, and morale.
It can save your business money while meeting regulatory requirements.
Coverage Options – In-network doctors, prescription coverage, telehealth, preventive care.
Cost & Budget – Premiums, deductibles, employer contributions, potential tax advantages.
Employee Demographics & Needs – Age, family size, health needs, wellness programs.
Regulatory Compliance – ACA, state rules, reporting requirements.
HMO – Lower cost, restricted network.
PPO – Higher cost, flexible provider access.
HDHP + HSA – Lower premiums, tax-advantaged savings.
Level-Funded Plans – Predictable costs, potential cost savings, partial risk protection.
Assess your workforce needs and company goals.
Define your budget and contribution strategy.
Compare plan types and coverage options.
Evaluate provider networks, perks, and flexibility.