What is Employer-Sponsored Health Insurance?

Employer-Sponsored Health Insurance is Health Insurance that employers provide for the their employee's. Business' of 2+ people qualify for Employer-Sponsored Health Insurance. The employer is responsible for choosing the plan and determining what benefits will be offered to their employees. Premium's can be shared between employers and employees or covered in full by the employer.

Are Employers Required to Offer Healthcare Coverage?

It is mandatory for businesses with more the 50 full-time employees to offer health insurance to their workforce. Small businesses with fewer than 50 employees are not required to provide healthcare. Many small business sponsor healthcare coverage to attract sought-after employees. 

Benefits of Employer-Sponsored Health Insurance

Benefits For Employees

Affordable healthcare

Employees have access to affordable healthcare, allowing them to tap into their benefits without the stress of the cost. Without that access you can have employee's not having the chance to afford the coverage they deserve.

Treatment for chronic disease

Plans offer hospitalization, prescription drug coverage, mental health benefits, and access to treatments.

Convenient 

Don't underestimate this benefit, health insurance is confusing. With group coverage, employers take care of choosing plans and providers. Saves employee's time and effort in selecting the right plan for them.

Boost employee satisfaction

Studies show that employees with access to healthcare have higher morale and improved productivity. They also feel more favorable towards their jobs and employers for supplying good health benefits.

Benefits For Employers

Recruiting tool

Perks like employer-sponsored health insurance makes your business more competitive. The best talent wants to work for employers they know will take care of them. If an employee is comparing two jobs, benefits like a superior health insurance plan can tip the balance in your favor.

Grow business

Employees are more likely to stay with a company that offers valuable insurance benefits, as they can be far more costly to replace on their own. Creating retention in the workplace and attracting new talented employees will allow employers to expand their business with quality employees.

Reduce Absenteeism

A healthy employee is present and more productive. Health insurance gives access to use preventive services that allow employees to be less prone to missing work days. Employer business's rely heavily on the health and wellbeing of their employees.

Tax-deductible premiums

Employer-sponsored health insurance premiums are tax-deductible. This can reduce your tax bill by thousands every year. 

Why Use Joski Insurance as YOUR Employer Health Insurance Broker?

Starting employer-sponsored health insurance demands discipline and time. Your business needs a partner who can evaluate your needs and see the big picture. Joski Insurance is here to help you keep your employees healthy and productive. Our knowledgable, local brokers here at Joski Insurance, develop and manage health and benefit solutions. We understand each business is unique, they have their own set of needs and requirements. Our brokers are here to listen and consult you to help get the best health coverage for your employees. We help control the costs of healthcare and other employee benefits to fit the needs of your business.