How To Design An Affordable
Group Health Insurance Plan

The marketplace for affordable group health insurance plans is in turmoil. The cost for employee insurance has risen to a level that threatens the financial survival of employers. For more in-depth information on this crisis, go to Healthcare Crisis Causes.

Over forty percent of small business CEO’s consider the cost of health plans as the biggest threat to the survival of their firm. Employers must change their approach to group insurance. For an explanation of changes that are available to you, click on Healthcare Solutions.

Affordable Group Health Is Outside The Box:

To help you reduce the cost for your group health insurance, we refer you to Group Health Insurance Cost Factors. To help you understand and better design your best small group health plans, you can go to Group Insurance Eligibility and Underwriting Factors.

It's time to think outside the box. The solutions we recommend focus on a strategy of changing the workplace from a sickness culture that rewards illness and absenteeism to a fitness culture that encourages wellness, attendance, achievement and productivity.

You can develop the workplace fitness culture using three tactics:

• First, get employees more involved in managing their own healthcare affairs. Click here for an explanation of the Fitness Culture;

• Second, give group members the ability and assistance that will help them make better decisions at lower cost and in less time. Go to Healthcare Affairs Management; and,

• Third, encourage and facilitate a healthier member lifestyle through a group-sponsored low-cost Fitness program. Go to Preventive Health and Fitness.

The core of your workplace fitness culture will be a group health insurance plan that is the most affordable fit for your organization and employees. How to design and implement that best health plan is our focus. The guidelines presented here will lead you to the answer. They are generalities. They apply for most groups. Details may vary for different insurers and in different states. We’ll help you with your questions and work with you to find your best solution.

* * * * * * * Affordable Group Health Plans Quick Quote * * * * * *

If you don’t need or don’t want to review the guidelines and prefer to seek a proposal immediately, click on our Get An Online Group Quote and complete the questions to indicate your preferences, then submit your Quote Request for a “Quick Quote” on availability and comparable pricing from several insurers:

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

Click here to review Group Health Insurance Cost Factors;

Click here to review Group Insurance Eligibility and Underwriting Factors;

Plan Design Options

To review guidelines on developing the best quote for your group, you can check the following reference pages, then click on our

Get An Online Group Quote to quickly determine availability and comparison pricing. At any time during the process, you can Contact Us by email to answer your questions or to discuss your situation.

Group health insurance plan designs which you can consider are as follows:

• Traditional Comprehensive Major Medical:

For plan design considerations, go to Traditional Health Plans;

• High-Deductible Comprehensive Major Medical:

For plan design considerations, go to High Deductible Health Plans;

For Health Savings Account explanation, go to Health Savings Accounts;

For Health Reimbursement Arrangement explanation, go to Health Reimbursement Arrangements.

• Limited Benefit Medical:

For limited benefit and impaired risk plan design explanations, go to Limited Benefit Health Insurance;

• Pseudo Group Health Plans - The LowCost Substitute (Employee-Paid/Employer-Sponsored Plans):

For plan design explanation, go to Pseudo Group Health Plans;

• State Children’s Health Insurance Program (SCHIP):

For plan explanation, go to State Children's Health Insurance Plan;

For SCHIP plan proposal, go to our State Health Insurance page and click on your state of residence. Then, on your state page, click on the SCHIP contact.

• Short-Term Health Insurance Plans:

For plan design explanation, go to Short Term Health Insurance;

For an individual plan proposal, go to Individual Health Plans;

For a family plan proposal, go to Family Health Plans.