Small and Medium Employers fast switching employees from the group health insurance (a defined benefit) to a healthcare allowance on individual health insurance (a defined contribution) to spend. There are three major reasons for the change to the individual health insurance and contribution. 
# 1) Stores employee and the employer is change at the expense of health insurance
One of the main reasons small employers to individual health insurance and contribution that individual health insurance the cost up to 60% less than traditional health insurance group. S ee this
$ 82 / month for a health plan marketplace.
After the Kaiser Family Foundation's annual survey, the average cost to cover was a single employee in 2013 with the group health insurance $ 40 / month, with the employer paying $ 402 / month and the employee paying the decision clearly for small employers $ 88 / month.
makes a cost analysis. A 0 $ / month contribution to a defined contribution plan goes further than a contribution of $ 0 / month toward group coverage insurance. But cost is not the only reason to change small employers.
# 2) allows employees a full selection of the Health Insurance Plan
Second, individual health insurance and contribution allows greater selection and staff. Control over their health care
employees have the opportunity, any health insurance from any carrier to purchase and receive reimbursement for qualified premiums -. at the level of their contribution allowance
top employees want choice and the ability to personalize their health benefits. Tell A recent employee health benefits survey found that 7 8% of employees a greater variety of advantages want to choose from and 80% would appreciate benefits to individual circumstances and age ,
# 3) provides employees with a better, more flexible health insurance options
providesThird, individual health insurance and contribution employees with better, more flexible health insurance options available. The coverage is portable and all employees (regardless of their health) will be able to purchase an individual health insurance, as existing group health insurance options is equal to or better for them.
Because of these three reasons, it will leave that 60% of small employer group health insurance defined in favor of individual health insurance and the contribution of 2017 estimated is what you think?
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