Large employer page (250 or more employees*)

Do you currently offer health insurance and want to expand or change it?

Do you want to increase employee participation in your company’s health plan coverage benefits?

Do you have employees who need health insurance but think they cannot afford to participate in your company’s health plan benefits?

Health insurance is the most important and valued fringe benefit to employees. Affordable health benefit options are available to all employers, regardless of size.

HealthInsurance.Alabama.Gov can help large employers learn more about alternative health benefits, encourage employees to participate in their health plan benefits, and navigate their way through the group health insurance purchasing process.

Alternative Health Benefit Products

• Flexible Spending Accounts
• Health Reimbursement Accounts (HRAs)
• Health Savings Accounts (HSAs)

Helping Employees Select an Affordable Health Insurance Plan

• Health Benefits Tax Savings Calculator for Employees
• Low- or No-Cost health insurance Programs

Group Health Insurance Purchasing Process

• Purchasing Health Insurance for Your Business—A Four-Step Action Plan
• Alabama Health Plans

Communicating About Health Benefits

Most large companies offer employees some type of health coverage benefit. In fact, many offer more than one type of coverage option. With larger numbers of employees and more health benefit choices, large employers need to ensure effective employee communication so employees clearly understand the:

• tax savings advantage of participating in a company’s health insurance plan and benefits program,
• medical care and costs coverage by their health insurance
• employee premiums, co-pays, and deductibles, and
• employee responsibility for medical costs not coverage by the health plan or supplemental health benefits.

Tips for Communicating Health Benefit Information to Employees provides employers with some practice suggestions for improving employees understanding and education of their health benefits.

* For the purposes of this web site, large employers are defined as having more than 250 full-time employees. HealthInsurance.Alabama.Gov defined medium-sized employers as 51 to 250 full-time employees, as described in the UCLA Center for Health Policy Research’s High Cost of Insurance Outweighs Other Barriers for Mid-Size Firms (Pourat & Ripps, 2006; available at http://www.healthpolicy.ucla.edu/pubs/files/Midsize_Firms_RT.062606.pdf).

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