5 reasons to work with NFIB Health Plans on your health insurance coverage
In the words of two NFIB members:
1. A Place to Start
When Symeon Williams started looking into the NFIB Health Plans program for her Bethesda, Md.-based financial company, Desaide, she didn’t know where to start.
"Since I was a new NFIB member trying to understand the benefits of NFIB Health Plans, I had a lot of questions," Williams says. "I was also skeptical since I had always had a corporate sponsor providing my health insurance."
Once Williams talked with an agent about the benefits of NFIB Health Plans, her fears about signing up for an HSA were relieved. "The agent was patient, answered all of my questions and made me confident that this health plan was the right decision," she says.
2. Objective information and answers to questions
"It’s rare to find an agent who will give you the perfect balance of information and answers to your questions. NFIB helped me make the best decision for my situation."
"Knowing that NFIB recommends a particular health insurance plan convinced me that the health savings account was right for me," says Eloquent Auto’s Gade. "NFIB is a strong lobbyist in Washington for small business, and the organization really looks out for our best interests.
I know that I’m getting the best deal with this health plan, and I couldn’t be happier."
3. More Control
When Andrew Gade purchased Eloquent Auto, an automobile window tinting and accessory business in La Mesa, Calif., buying a health insurance plan was the last thing on his mind.
"I was never a big advocate for traditional health insurance plans," Gade says. "I would pay my premiums every month, and then when I had to go to the doctor I would pay even more. That just never made sense to me."
But when Gade talked with an NFIB Health Plans representative about a health savings account through NFIB Health Plans, he discovered that an HSA could give him more control over his money—and a major tax break, too.
4. Pre-tax savings and tax-free interest on HSA accounts
The money you contribute to an HSA and the interest it earns is tax free, so the money you invest goes directly toward taking care of yourself and your employees. In 2009, any taxpayer with an HSA-compliant insurance plan can contribute up to $3,000 a year ($5,950 for families). Unspent HSA funds roll over to the following year and accrue interest.
"When I found out that the health savings account plan made sense from a tax standpoint, I knew it was the perfect solution," Gade says. "Instead of paying into a plan and never being able to get that money back, I can put my money into an HSA, which gives me more control over my own money. Plus, it helps me keep my revenue from the government’s reach, which is helpful to any small business owner.
5. Premium rates that can be locked-in for up to 3 years
"What’s more, Gade learned that he could lock in his rates for the next two years, helping him avoid the double-digit premium increases that plague many of his fellow small business owners.
In addition to providing NFIB members with comprehensive, affordable health insurance, the NFIB Health Plans program offers rates that can be locked in for up to three years on select HSA and traditional benefit plans—regardless of claims history.
Put the professionals at NFIB Health Plans to work for you today.
Call 888-488-6266 or visit NFIB Health Plans now.
*NFIB membership does not guarantee insurance coverage. Not available in all states. Call 888-488-6266 for availability in your state.