Healthcare Industry News > Employer Health Plans for families

Employer-provided Health Plans not always best option for Families

The days of employer-provided health care may be winding down.  Not only are fewer businesses offering these benefits, but some employees are opting not to take the coverage for their spouses and children.  Instead, they are purchasing separate family health insurance policies.

In many cases, choosing a non-employer provided plan can save families money.  One family would have paid $700 a month in premiums for family coverage through the husband’s employer instead they opt for a separate PPO plan costing $273 a month with a $5,000 deductible but no coinsurance.  Because employers are passing on a larger portion of the health care costs to their workers, shopping around for a better deal often makes sense.  Workers for small businesses, on average, pay more than $500 per month for family coverage.  If their family is healthy, however, they can usually find more savings elsewhere.

However, price is not the only consideration.  Group health insurance offers protections individual health insurance does not.  For example, those policies cannot refuse you coverage because of your health or age nor can they permanently exclude coverage for pre-existing conditions.

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