Group Health Insurance

Cost Effective Coverage For Your Employees

Group Health Insurance

Florida Healthcare Insurance takes the time to understand all of your needs, and that includes the insurance needs of your business. If you have four or more employees, we work with your team and explore and present many options that will not only help you control costs for your company but also offer the best benefits.

We offer the following group plans that can be built into a comprehensive benefit program for your small business and your employees:

  • Group Medical Plans
  • Health Savings Accounts / High Deductible Health Plans
  • Group Dental
  • Group LIfe
  • Group Disability
  • Group Vision
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As an employer, what would be a reason to purchase Group Health Insurance for your employees? Well, besides offering your employees access to affordable health services, group coverage can also help your business with employee retention, tax benefits, and more. Let’s take a look at some of the reasons an employer might consider group health insurance:

  • Better Access to Health Care
    • Employees who have health coverage through their company are in a better position to acquire medical care, including those preventive services that can help avoid more serious health problems down the road. Group health insurance encourages employees to actively maintain their health and increases the ease of access to services that would have otherwise been unaffordable.
  • Manageable Costs and Financial Security
    • Group health coverage also ensures the costs for services will be more manageable. Insured employees are protected financially from burdensome debts that may arise from a major illness or injury. As we know, the need for medical services often arises unexpectedly, and the costs would have typically exceeded what most can afford to pay. Group health insurance combats this.
  • Tax Benefits for your Business
    • Usually, any expenses an employer incurs related to health insurance (for employees or dependents) are 100% tax-deductible as ordinary business expenses, for both your state and federal income taxes. Beyond this, taxes tend to get a bit more complicated, but don’t worry — we can help you handle it!
    • As an employer, the Affordable Care Act offers small businesses healthcare tax credits to help offset the cost of insurance. To qualify for a tax credit of up to 50% of premium expenses for any two years, small business owners must pay at least half of employees’ healthcare premiums and have 25 or fewer full-time equivalent employees who earn an average of $50,000 or less a year.
  • Higher Employee Recruitment and Company Retention
    • Generally speaking, companies that offer group medical insurance are able to see the following advantages:
      • Lower hiring costs
        • Hiring and training new employees costs money and takes times, however, having group health insurance helps not only recruit but retain talented employees.
      • Reduced Absenteeism and Decreased Health Risks in Employees
        • When employees don’t have health insurance, they tend to take longer to seek treatment. Healthy employees are less likely to injure themselves and more likely to perform their jobs well. 
      • Improved Office Morale
        • Employees tend to be happier and more satisfied with their jobs when offered group health insurance. In addition, some employees may benefit tax wise and convenience-wise by paying premiums directly from their paychecks.

 

Interested in group health coverage for your employees? Schedule a call today! 

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Florida Health Insurance Client Testimonials

"Evan was awesome answered all my questions and got me set up on a great plan! I can’t thank him enough. I finally have a plan that will meet my needs!"
Paula Murray
Paula M.
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"Evan was very professional and quick to help! He was also very knowledgeable. I will definitely be working with this business in the future!!"
Gina Tocora
Gina T.
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"Moving from New York to Florida and we’re given Evans name. Evan has been nothing short of professional and knowledgeable health insurance broker."
Susan Price
Susan P.
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