With Open Enrollment 2015 coming in November, think small businesses, as they offer the best services at the best price in 2015. the Open Enrollment period will run from 15 November 2014 to 15 February 2015. During the open enrollment 2015 individuals can buy a new individual health insurance, or change guidelines for reporting that are better tailored to their needs. Here are four tips that small businesses are preparing to open membership in 2015
1 to help. Identify your health benefits goals and needs
While compliance with the Affordable Care Act (ACA) is a top priority for many small businesses, you should not let dictate why or how you want that health insurance is to offer coverage for your employees. What are your health benefit needs? What are your goals by offering health services to reach your employees?
Many small businesses are primarily concerned with demand as affordability and management time and targets as recruitment and retention of key employees with an attractive benefits package. If you understand your health goals and needs, it will help you to identify the best solution for your small business.
2. Consider Alternative Health Care Benefit Options
Small businesses are a double-digit rate increases at renewal time overlooking this year.Since group insurance premium costs are usually split between the employer and employee, as are exposed to both parties to higher healthcare costs.
is a common misconception about the individual health insurance, that it is more expensive than group coverage insurance through employers. However, individual health insurance costs by up to 60 percent less than group health insurance.
The federally run marketplace, 87 percent of those who receive a health plan selected premium tax credits, and pay an average of $ 82 / month. While the average premium is $ 346 / month, bringing the premium tax credits, the cost significantly.
Small employer the employer is subject to shared responsibility, and are therefore not required to provide health insurance for their employees. For this reason, many small employers cover their employees fall group for individual health insurance.
pay 3 to help. Communicate with employees
A recent tracking survey found that the majority of Americans are misinformed or not informed of the ACA. In fact, thought 26 percent of respondents said that people were newly enrolled in the policy by the ACA enrolled into a single plan of the government, and were not aware that the people, the choice of individual health insurance plans had.
If you do this transition your staff to individual health insurance, make sure to educate them on the benefits that individual coverage has to offer. This will help alleviate any anxiety or uncertainty that comes brought by the ACA and a general lack of understanding about the health of change.
4. Think before you auto-enroll
When open enrollment 2015 approaches, all current enrollees marketplace one month (from November 15 to December 15) their current individual health insurance evaluate and see if there are any plans are available in the marketplace, the better fit their needs.
If you have already purchased a market policy, weigh all the options before you let your policy enroll car. This is critical to ensure that you get the best deal for health insurance.
2014 premium tax credits were based on rates the second lowest cost silver plan in the marketplace. Since second lowest cost plan in the past year will probably not be the same this year, your premiums could rise while the tax credit amount remains the same. Since the premium tax credits to the household income based, family size and region, you should all change report that their 2015 premium tax credit estimate to ensure correct.
What are your plans for the admission of members 2015? Leave a comment below.
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