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March 21, 2024
314 Insurance Advisors

How Do I Offer My Employees Health Insurance? 

three men and one woman with employees health insurance laughing during daytime

Regardless of whether your workforce consists of a dozen or a thousand members, the employees health insurance and wellness should be a top priority.

Your organization’s productivity, sustainability, profits and success may all hinge on healthy and productive employees, making employer-sponsored health insurance a potentially crucial resource.

Furthermore, offering attractive health coverage can be an asset as your company competes within a dynamic labor market.

However, while your company may be well aware of the importance and benefits of offering group health insurance, doing so can be complicated, and even a slight misstep could have significant and far-reaching ramifications.

With this in mind, enlisting the assistance of knowledgeable professionals, such as those at 314 Insurance Advisors, may be essential.

What Is Employee Health Insurance?

Employee health insurance plans can provide members access to essential preventive and medical services while offering rates that might not be available on the open market. As the insurance company’s risk is dispersed among many policyholders and employers potentially contribute toward premiums, employees may find these coverage options particularly attractive, making such arrangements one of the core pillars of businesses’ employee benefits portfolios.

How to Create an Employee Health Insurance Plan

Businesses are typically allowed to create group health insurance plans and offer them to employees who appear on their payroll. This means that contract workers and employees on unpaid leave are often ineligible. Employers should also be aware that insurance companies typically require a minimum percentage of eligible employees to elect coverage.

Key Considerations When Offering Employee Health Insurance

As your business embarks on offering ideal coverage to its employees, many things must be considered. Various plan types, coverage options, cost-saving measures and customization opportunities may be available, making it necessary for leaders and decision-makers to be thorough and strategic. Consider the following tips:

  • Collect feedback. Whether offering employee health insurance for the first time or revisiting an existing policy, directly surveying employees can help you understand the coverage options they value or prefer.
  • Explore options. A qualified and independent professional, such as those at 314 Insurance Advisors, can help your business sift through policies offered by various insurance carriers to find an appropriate policy with ideal rates.
  • Inform employees. Employees must understand their health coverage to utilize it and fully maximize their investments. Distribute materials, schedule meetings or have HR professionals set aside time to help plan members learn more about their options.
  • Schedule reassessments. Employees’ health insurance needs and preferences may vary as your organization and workforce evolve. This means you must commit to revisiting your employee health plans, such as on an annual basis.

We’re Here to Help

At 314 Insurance Advisors, we have the knowledge, resources and experience to help your business understand and offer optimal employee health coverage. Visit our website or call 502-265-0906 to learn more.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.


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