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Medium Employers (Companies with 51 to 250 employees*)

Medium business employers

Are you faced with the increasing costs of providing health insurance for your employees but know that you need to offer health insurance to attract and retain talented employees?

Do you find it difficult to negotiate health insurance pricing with your health plan?

Do you need to investigate affordable group health insurance options but do not know where to begin?

If you answered yes to any of these questions, you are not alone. Many medium-size employers face the same challenges.

According to a 2006 University of California at Los Angeles (UCLA) Center for Health Policy Research study, mid-size firms typically:

  • Purchase health insurance on their own and do not benefit from purchasing coalitions or associations
  • Receive group health insurance prices that typically reflect the organizations past year’s medical claims and insurance company “manual rates”**

Health insurance is the most important and valued fringe benefit to employees. There are affordable health benefit options for employers regardless of size.

HealthInsurance.Alabama.Gov can help mid-size employers navigate their way through the group health purchasing process and better understand health insurance product options that are available to you.

* In research and reports, medium-sized employers have been defined as narrowly as 51 to 100 full-time employees and as broadly as 51 to 999 full-time employees. For the purposes of this Web site, medium-sized employers are defined 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).

** Manual rates are rates reflecting the insurance company’s experience with the appropriate segment of its pooled insurance risks.

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