How You Benefit by Offering Health Insurance to Your Employees

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  • 1. You attract and retain the most qualified employees.

     The perceived value of employee benefits has been boosted by people’s recent concerns about Health Care Reform and slow job growth. The number of employees who agree that benefits are a “very important reason” they joined or stayed with a company has risen significantly, according to MedLife 12th Annual US Employee survey.

  • 2. You avoid Health Care Reform assessments.

    Starting in 2015, employers with 50 or more full-time equivalent employees are required to offer affordable, minimum-value group health insurance. If they don’t, they may be assessed government penalties. Employers will 100 employees or more are eligible for Optima Health’s Large Group Health Insurance Plans. Employers with 2 to 99 employees are eligible for Optima Health’s Small Group Health Insurance Plans.

  • 3. You gain tax advantages.

    Employers can deduct 100 percent of their employees' health insurance cost as a business expense. If the business is incorporated, the business owner’s own insurance costs are also deductible.

  • 4. You can receive a tax credit.

    Small businesses with fewer than 25 employees may be able to receive a tax credit if they purchase small group health insurance for their employees and meet other criteria.

  • 5. You pass along lower health insurance costs to your employees.

    If you have 50 or more employees, you may find that our large group health insurance rates are lower than individual rates. Your employees may pay less and it makes a great addition to your business’s benefits package.

  • 6. You can increase profits with more productive employees.

    Group health insurance plans, such as Optima Health, focus on preventive care and improving health to keep employees healthy and working. Your health plan may improve the quality of life for your employees and their families – and this is a return on investment to you, to them, and to our communities.

  • 7. You can lessen financial worries for employees.

    With health insurance, employees feel more secure knowing they can pay medical expenses, especially in an emergency. That peace of mind can mean more focused and loyal employees.

    See how your business will benefit by offering Optima Health’s Large Group Health Insurance (100 or more employees) or Small Group Health Insurance (99 or fewer employees).