Health Care Benefits For Small Businesses – A survey of “real” small businesses examines employers’ lack of understanding of health care reform, why they offer coverage, and how they are willing to save money.
MOUNTAIN VIEW, CA – Most small businesses have the wrong belief or aren’t sure whether to offer health insurance to employees in 2014, according to a recent survey of small business owners released today by eHealth, Inc. (NASDAQ: EHTH), the parent company of eHealthInsurance. eHealthInsurance (http://www.ehealthinsurance.com) is America’s first and largest health insurance company.
Health Care Benefits For Small Businesses
As of 2014, the Patient Protection and Affordable Care Act of 2010 (ACA) required companies with 50 or more full-time employees to provide health insurance to their employees. However, companies with less than 50 employees cannot do this, although employees can be required to buy whatever they want.
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EHealth’s Fall 2012 Small Employer Benefits Survey focuses on these small businesses. The survey was conducted anonymously online between Aug. 18 and Aug. 15. November 22, 2012 and collected responses from 439 small businesses that purchased health insurance through eHealthInsurance.com. The results show that many small employers still have misconceptions about what healthcare reform means for them, and few are making long-term plans based on their expectations of how healthcare reform will affect their business.
Based on their size (fewer than 50 employees), only two of the companies surveyed will be required by the ACA to provide employee health insurance coverage in 2014. However, a third (34%) mistakenly believe they should purchase it. work injury insurance in 2014, while 35% were unsure. About 70 percent are wrong or don’t know if they will have to pay taxes for not having health insurance in 2014. Thirty-one percent (31%) of respondents correctly believe that the reform law does not oblige them to do anything. pay taxes if they don’t provide insurance.
Another part of the ACA that is not incorporated into employer policies is health insurance exchanges. Most small business owners (78%) said they are not aware of the health insurance switch and how it will affect their business. The state exchange, which is expected to come into operation in 2014, would provide subsidized health insurance for people who do not have access to health insurance through their employers.
The survey also examined employers’ willingness to implement new cost-cutting measures, as well as their perceptions of sanctions related to employee participation in wellness programs. To reduce costs, more than half (51%) said they would increase headcount. About 40% would consider increasing employee benefits. Nearly half of surveyed employers (44%) thought it was okay to penalize employees who did not participate in health programs.
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The eHealth Small Employer Health Survey report can be downloaded in full here or from eHealth, Inc. Media Center.
An online survey of small employers and self-employed business owners was conducted anonymously online between August 1st and August 13th. August 15, 2012 and August 22, 2012, and collected 439 responses. Of the insurers, 95 percent had between 1 and 10 employees.
EHealth’s Small Business Survey report can be downloaded in full here (http:///pr/ehi/document/Final_SmallBusinessSurvey_Fall12_comp05.pdf) or from eHealth, Inc. Media Center.
EHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, America’s first and largest provider of health insurance, where individuals, families and small businesses can compare health insurance products from leading insurance providers and shop and apply online. eHealthInsurance offers thousands of health plans for individuals, families and small businesses underwritten by more than 180 of the nation’s leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia. Through the company’s eHealthTechnology platform (www.eHealthTechnology.com), eHealth is also a leader in health insurance exchange technology. eHealthTechnology’s revolutionary platform provides e-commerce solutions that enable health care providers, retailers and government agencies to sell and distribute products online. eHealth, Inc. also provides powerful medical and online tools to help seniors navigate Medicare health insurance options, choose the right plan, and enroll in select plans online through its wholly owned subsidiary, PlanPrescriber.com (www. planprescriber.com) and through the Medicare website www. eHealthMedicare. with.
Examples Of Common Small Business Benefits Packages
For inquiries contact: While ehealhuck focuses on business health insurance, we are here to help all of our patients with more than just making more money. One of the ways to do this is to provide you with the right tools designed to help you run a successful and thriving small business, including this guide to the top types of small businesses.
When running your business, it’s important to know what types of insurance your small business may need. Having the right types of small business insurance can help your business and your employees recover from accidents, reduce losses, and manage risk.
Small business insurance is another type of coverage that small business owners should have. You can use it to protect your property, money and belongings from other risks. There are many types of small business insurance. This includes all liability for small business owners, workers’ compensation insurance and health insurance. Small business health insurance agents are here to help business owners find the best small business insurance for their employees. This is an important type of insurance that small business owners should consider, and it can be helpful to consult a small business health insurance guide to find out what type of insurance is right for your business.
Most small business startups don’t have a lot of money, so it’s important to invest in small business insurance that can provide protection against catastrophic losses. It’s important to consult the small business insurance guide to learn more about how business owners can protect themselves against natural disasters, lawsuits and accidents. If small business owners aren’t careful, they can end up with massive debt that can put them out of business, which is another reason why it’s important to consult a small business insurance guide when shopping for insurance.
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As a small business owner, you may be considering what types of small business insurance you should provide your business and employees. Most small businesses choose to have property and casualty insurance as well as workers’ compensation insurance if they have employees.
Some types of small business insurance, such as small business health insurance or other types of business insurance, may be optional depending on the company. While businesses are not required to purchase any type of small business health insurance, these policies can protect small businesses from unexpected accidents and losses.
Overall, small business insurance policies often act as valuable tools for employers, providing protection that protects businesses from adversity and risk, helping them move forward in the face of uncertainty.
This small business insurance guide will examine the main types of small business insurance, as well as the factors that affect the cost of small business insurance.
Why You Should Invest In Health Insurance For Small Business Employees
There are other more common types of business insurance, as well as additional types of small business and commercial insurance.
Many small businesses choose to take out liability insurance, which protects the company’s assets in the event of a lawsuit by a third party (any person or entity outside the business). A general liability policy can help cover legal costs, as well as any payments or premiums if your small business is sued.
A general insurance policy usually covers claims made by a small business, such as:
In addition, comprehensive insurance covers legal expenses such as compensation, non-monetary damages, damages, attorney fees and restitution. Most debt settlement laws cover such claims whether they are brought by an individual or through a class action.
Employee Benefits: Small Business Approaches
Since general insurance covers damage caused by someone out of business (such as if a customer slips on a wet shop floor), the policy does not cover medical expenses if they are injured on the job or damaged. to business assets. The high cost of litigation is one of the main reasons why it is important for a small business to have general liability insurance. According to courtstatistics.org, the average cost of a real estate lawsuit can start at $54,000, with the trial phase being the least expensive part of the trial.
The SBA report also noted that the impact of litigation on a small business can go beyond financial losses from damages and attorney fees, often contributing to emotional distress for business owners.
Overall, regardless of industry, most small business owners will consider choosing a comprehensive insurance policy, ranging from
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