Don't Take Chances with the Health of your Business

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Improving Your Employee Experience

See how the inclusion of health insurance benefits has been proven to enhance not only satisfaction in your work environment, but also the overall success of your organization.

No one has to tell you, the owner of a small business, how much your success depends on the loyalty and morale of your employees. Providing health insurance for your employees is not just a good thing to do. It's also a wise business decision.

The U.S. Department of Labor estimates that recruitment and employee turnover in small businesses account for 30 percent of overall salary costs. In the opinion of today's worker, health insurance is the single most important benefit you can provide. Add those facts together, and you'll agree that providing health insurance for your employees and their families is one of the smartest business decisions you can make.

Review some of the positives of providing health insurance to your employees:

• The cost of health care is a major worry to working people in America today. Providing health insurance to your employees relieves worry and improves morale.
  
  
• Having employees with adequate health insurance encourages necessary doctors' visits and reduces absenteeism.
  
  
• Health insurance has the potential of limiting disability and workers' compensation claims.
  
  
• And, most of all, providing health care coverage to your employees is a way of telling them that you care about them as individuals, as providers for their families, and as members of your team.

Providing health insurance also offers important tax benefits. Premiums are 100% tax deductible as a business expense, and insurance payments are not counted in base payroll when you calculate your Medicare and Social Security payments.

To your employees, contributions toward health insurance are non-taxable income. They can make their premium contributions on a pre-tax basis through payroll deductions, making coverage more affordable for them.

As a small business owner, there are more choices available to you than ever before. Depending on the laws of your state, you may be able to pool your employees with thousands of other employees in small firms, spreading the cost of a single catastrophic illness or injury across the entire small business pool. If you are a member of a business, trade, or professional association, you may have access to coverage for yourself, your family, and your employees. Your chamber of commerce may offer group health insurance, or it may offer leads to joining cost-reducing alliances in your region.

Request an instant online quote from a carrier offering Small Business Health coverage in your area >>