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Small business owners have a lot of decisions to make. Some are creative and fun, while others really impact the bottom line. Small business owners who consider offering health benefits experience a number of business advantages. No matter how many employees you have, below are just a few of the benefits providing health coverage offers to small businesses and their employees.
Gives employees options. Employers sponsoring coverage as a group can access coverage in some instances with only one full-time employee (subject to other eligibility rules), providing employees access to a broad network of providers.
Employers offering group coverage may also offer more than one benefit plan and network option, even in some instances with just one employee. Some employers offer a large network along with a smaller, local network to give their employees a choice of provider selection and price. This means, employees and their families can access the care when and where they need, reducing time away from the business.
Keeps employees productive.When it comes to the success of any business, maintaining a productive and healthy workplace is must. A MetLife study found that 60 percent of employers linked offering health insurance to higher productivity levels. Providing health insurance can help protect employees and their families with coverage for wellness visits, prescription drugs, emergencies, mental health benefits and chronic conditions. This, in turn, can help keep employees happy, healthy and working!
Possible tax benefits for the business and employees. Offering health insurance could present tax advantages to the business in the form of deductions and payroll tax benefits as well as the possibility for employees to use pre-tax dollar for their portions of the premium. For more information regarding the specific tax benefits to employers and employees, please reach out to a tax/legal advisor.
Attracts and retains top talent to help grow the business.A Glassdoor survey found that employees viewed health insurance as the most important benefit they receive from their employer. Offering coverage to employees can help businesses compete for the best employees and keep them working.
Owning and managing a small business is tough, making health insurance work for you and your employees shouldn’t be. As you’re making the important decisions for your small business, consider health insurance coverage that will help keep you and your employee’s minds at ease.
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