How much is your health insurance plan cost increasing this
year?
Do you have fewer than 50 employees? Have you made the jump to “high deductible
plans,” only to see your rates go down for one year, and then start climbing
again because your company health insurance plan is community rated?
How can small companies make a long-term impact on their health
insurance rates?
Wellness programs, prevention, exercise, high deductible
plans, and HRA’s and HSA’s can all help you save money, over the long
term. There is just one key to making it
work – you have to be experience rated. So, how does a small company,
with fewer than 50 employees, get into an experience rated plan? By yourself – you can’t. But, there is a way…
Professional Employer Organizations, or PEO’s, allow you to
join a large, experience rated group, because the PEO is the “employer of
record” for all of the employees for each of their clients.
PEO’s provide a multitude of benefits for small companies,
from compliance to cost savings, and “big company” benefit programs, PEO’s
allow you to outsource all of your Human Resources responsibilities, and allow
you to focus on your business.
At Saratoga Human Resources Solutions, Inc., we have
extensive experience and a proven track record in designing, communicating, and
educating employees about health insurance plans that save money over the long
run by helping employees make better decisions about their health care
purchases. Since these plans are
experience rated, good experience means that year over year, plan costs are
contained.
Are you ready to start saving money, for real? Visit our website, or give us a call today!
518-429-0308
Jim Marco, President and Principal Consultant