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Central Issues to Consider When Searching for a Worker Health Care Plan for Your Organization

When searching for a worker health care plan, there are a number of central issues to consider. The most basic issue is cost. Many employers pay part of the premium for the coverage. In order to avoid paying a hefty amount, look for a plan that covers the full cost of the plan. A lower premium may be more affordable than a higher-end plan.

Plan benefits. The type of health insurance you choose must include the same essential health benefits required by federal law. Some plans require out-of-pocket costs for the most basic services, while others provide for more comprehensive coverage, such as preventive care. In general, a plan should cover basic health care, dental and vision care, prescription drugs, and prescriptions. If your company does not provide any of these, you should look elsewhere.

Cost. The costs of healthcare are rising and employers are bearing more of the burden. Employees may be dissatisfied because they are paying more than they can afford. A lack of health insurance coverage can negatively affect job satisfaction ratings. A lack of insurance can be a costly endeavor. According to the Kaiser Family Foundation, the average employer paid $7,188 per employee for single coverage in 2019.

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