health benefits are still while almost all (98%) of larger employers offer the number one ancillary and health benefits, only 46% of medium and small employers offer health benefits. The smaller the employer, the less likely they are to provide health benefits. From micro-employers (3-9 employees), only 44% offer health benefits. So why small employers offer health benefits
NOTE: This article is an excerpt from our new e-book, Employer Health Insurance Facts & Figures (click here to download instructions) 2014-2015.
Why do small employers offer health benefits?
According to a recent survey conducted by eHealth, most small employers offer health insurance because of a moral obligation (44%) or to recruit and talented employees (33%).
keep other words, offer small employer health benefits, because they care about their employees, and because health benefits a powerful tool are the best people to attract and keep.
Why not small employers offer health benefits? 
So if health benefits are such an important recruitment and retention tool, why not all small employers offer health benefits?
According to Kaiser Family Foundation, by small businesses (3-199 employees), the number is a basic offer costs (32%), with other reasons including not health benefits: employees under another plan ( 24%) are usually covered, the company is too small (17%), and employees have other options, including the exchange (10%).
The documentation of these challenges is the declining rate of small companies that offer traditional group health insurance.
In just the past four years, the proportion of employers who offer health insurance by 69% decreased in 2010 to 55% in 2014. In micro employers, the percentage of health insurance offer declined from 59% in 2010 to 44% in 2014
What do they want small employers with benefit health
when it comes to what they want small employers when they shop for and Health insurance to compare, it is not surprising then, that the two main features that they look for, according to , the eHealth survey are affordability (95%) and the wealth of services offered (68%). And 72% of small employers provide their employees all the time, or sometimes to their opinion about the health benefits
What's the end result? Small employers want the health of employees, but affordability is a major obstacle.
better Small Employer Health Benefits Solution
varies with the health care reform, there are new benefits of individual health insurance.
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employees keep their plan if they change jobs
: Compared to the traditional small employer group health insurance, individual health insurance because now is a better solution for small employers select -
employees the specific network (preferred doctors, clinics, etc.)
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employees choose the level of cover you, special medical supplies for their family (deductible, co - need pays, coinsurance, etc.)
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individual health insurance costs on average up to 60% less
in addition, there are new individual health insurance reimbursement agreements in which employers can give employees money for their individual health insurance premiums. Because of these advantages of individual health insurance and the availability of individual insurance reimbursement of the costs of health, experts predict that most (if not all) small employers employees will be transferred to individual health insurance in the coming years.
Why do you think offer small employer health benefits? Or what challenges do you see health benefits to offer? Leave a comment below
For more insights about small employer health benefits, download the free eBook: .. Employer Health Insurance Facts & Figures, 2014-2015
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