Small employers’ efforts to provide robust major medical coverage to workers and their families have long proven futile, primarily due to underwriting challenges. Groups of under 50 employees are often relegated to state small group market coverage, which tends to be expensive. Slightly larger groups, while being underwritten based on their own experience, still suffer from a near-total lack of transparency. Increasingly, these employers are looking for alternatives, which include pooling under association-style plans, group medical stop-loss arrangements, level-funded products, and individual coverage Health Reimbursement Arrangements.
This Special Report provides a comprehensive treatment of the challenges small employers face and the options available to them as they seek to provide group health coverage.
