I already posted above, so please foregive if this is redundant. But, I stoped giving Health Benefits 2 years ago. Individuals can buy their own policies 40% cheaper than small group plans (including NFIB and ADP) So I just gave everone a raise equal to the contribution I was making and poof, I am out of the Health Care business. If I were to go back in I would probably do an HSA like Danny indicated, however I do not think it is stong enough in preventitive care. Also some of my people get really good deals through having a spouse work for universities or government agencies, and I can not really compete with that. The market place is totally broken. |