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Waiving HDHP Deductibles Has Little Effect on Premiums, Study Says

InterWest Insurance Services

Employers who offer health savings account-eligible high-deductible health plans (HDHPs) to employees can significantly expand pre-deductible coverage for certain drugs used to manage chronic conditions — with only a tiny effect on premiums. Cost of temporary workers. Overtime costs. Absenteeism.

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Budgeting and Prepping for Open Enrollment

InterWest Insurance Services

Understand your options Familiarize yourself with the various options that you have: Health maintenance organizations – HMOs are typically the least expensive plans because they require enrollees to visit their personal physicians and tightly controlled in-network doctors. Going out of network is discouraged with high out-of-pocket costs.

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Budgeting and Prepping for Open Enrollment

InterWest Insurance Services

Understand your options Familiarize yourself with the various options that you have: Health maintenance organizations – HMOs are typically the least expensive plans because they require enrollees to visit their personal physicians and tightly controlled in-network doctors. Going out of network is discouraged with high out-of-pocket costs.

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Employee benefits for small businesses

Higginbotham

Health insurance is a key element of any employee benefits package, but small business owners should consider offering other benefits as well. Many workers have family members, often including young children, who depend on their income. Some employers offer paid sick leave, but usually not enough to cover a serious health problem.