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Employer coverage

Employer health insurance should be compared by total employee value.

Compare premiums, employer contribution, network access, family cost, plan design, and whether employees can actually use the coverage.

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Small business questions

  • - Who is eligible?
  • - What employer contribution is realistic?
  • - Which doctors/hospitals matter locally?
  • - Are employees better served by group coverage or reimbursement-style options?
  • - What compliance support is needed?

Employee questions

  • - Payroll premium
  • - Deductible
  • - Out-of-pocket maximum
  • - Family coverage cost
  • - Prescription and mental health access