• Let’s Talk Business

    The Insurance Lady - GA

Health care benefits are optional for most smaller employers, yet of critical importance to most employees.

Employers of all sizes should be aware of the pros and cons of offering health benefits to their employees.

Benefits are a critical component of the employee compensation package, and health care benefits are the shining stars. Health care benefits and retirement savings are some of the most important benefits to employees and they rely on employers to help them navigate these areas.  Every employer should consider whether to offer these types of benefits and depending on the size of the business, employers must offer health care in order to remain competitive for the best talent and avoid penalties imposed by health care reform.

Another reason why many employers choose to offer health care benefits is so that they themselves can take advantage of less expensive health insurance, as well as tax breaks for the contributions made by the business.  There is a genuine sense of pride to be able to offer and receive benefits.  It speaks to how you value your employees.  And they know it.

  • Recruitment & Retention

    Attract and retain quality & qualified employees. What is your competition doing?

  • Healthy Workforce

    Healthy Workers. Preventative care is covered in all plans at 100%. This means employees don’t have to pay for that office visit. That should be incentive to get an annual physical. (which they might not do if they don’t have insurance), you could end up having more employees out for long periods of time with serious illnesses.

  • Smart Business

    Tax advantages. offer employees something that increases their compensation package and yet allows you an income tax deduction for the contribution, so that your out-of-pocket cost is less than the value of the benefit to the employee.

  • Avoid Penalty

    Avoid health care reform penalties. The Affordable Care Act requires employers with 50 or more full-time to offer adequate health coverage or be subject to assessment if their employees receive premium tax credits to buy their own insurance. This mandate began in 2015.

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