Medium Employers (Companies
with 51 to 250 employees*)
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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