Your Employees’ Medical History Affects Your Group Health Insurance Rates

When you buy group health insurance, providers will examine your workforce closely. Specifically, they will want to know the medical history of each employees. Don’t worry; you don’t need to be a doctor — health insurance companies just want general information from you. They can probably take the investigation from there.

Why is the health of your employees important? Health insurers use that information to set group health insurance rates. A workforce with a significant percentage of employees with pre-existing conditions will cost more to insure, because group health insurance companies will assume that they will use a higher quantity of health care services at a higher cost.

Obviously, you don’t want to hire employees based on their medical history as opposed to competence. However, there is no doubt that health status plays a role in the group health insurance plans available to your business.

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