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home > learn from others > a jewel of an insurance option
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Consumer Choice Basic Principles
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The first basic principle of Consumer Choice — and the primary way to lower your insurance costs — is moving your employees to qualified high deductible health insurance plans. Simply put, higher deductibles mean lower premiums. Yes, that can mean higher out-of-pocket costs for your employees. But, those costs can be covered with tax-advantaged* dollars contributed by the employee, the employer, or both, into Health Savings Accounts. Whoever contributes, the dollars in these Health Savings Accounts are ultimately controlled by the employee. And, that is where the savings can really be realized. When employees are in control of their health dollars, they will be motivated to seek out the wisest and most reasonably-priced health options. This will have the larger effect of eventually lowering health costs in general by creating competition in the marketplace.
* Please contact a professional tax advisor for tax advice. |
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This Assurant Health customer stays competitive in business and retains the best people by offering attractive and affordable benefits. |
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