Why should an employer offer health insurance to their employees? - Employers offer employees
health insurance to their employees in order to keep them loyal to the company.
- Premiums paid by
an employer to provide their employees with health insurance are tax deductible to the employer.
- Employee
health insurance is not treated as taxable income to the employee by the IRS. As a result, the employer can provide employees
health insurance benefits, to keep them loyal, and the benefit is not treated as taxable income to the employee, unlike a
raise in pay or a salary increase. In addition, no employer social security taxes are required as it would be for a pay raise.
- Group
employees cannot be singled out for exclusions, rate ups or declinations of pre-existing health conditions. No discrimination
of employees is allowed under an employer group health insurance plan.
- Employer groups can also qualify
for High Deductible Health Plans (HDHP's) just as individuals and families can and they can also us an HSA option to establish
a qualified Health Savings Account.
If you are a business owner and are in need of major medical
health insurance for your employees, we represent the companies listed above.
For a quote, call
our office or fax us a census of your employees, using the forms below, to 1-864-848-3217.
Census Form 1 (employees 1-25)
Census Form 2 (employees 26-50)
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