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Defined-Contribution Health Benefits — now large employers can control healthcare costs, and small businesses can offer health benefits to their employees for $100-$200/month.

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1. Give your Employees an HRA for Wellness and Medical Expenses saving 40% in taxes alone

• An HRA gives you and your employees the same tax benefits for wellness care that you used to get only for sickness expenses
• Each employee's HRA allowance is the equivalent of a tax-free raise--with the government paying 40% or more
• Dollars spent on wellness today save hundreds or thousands on sickness care tomorrow
• You fully control the monthly allowance and what types of expense are eligible for reimbursement

2. Raise the Deductible on your group plan or convert to an HRA plan, saving $200-$400/month per employee

• Choose a higher Deductible on your group plan saving $200/month or more per employee, or teach employees how to choose their own high deductible plan
• Use the savings to give all employees first-dollar coverage with an HRA--most healthy employees receive the equivalent of a tax-free raise
• Save even more by dropping overpriced group coverage and funding employees' individual insurance premiums for half the price through your HRA

3. Protect your Employees from Accidents
for $10 - $40 per month

• Get Employees full coverage for Chiro- practic Care when they need it most
• Even the best health insurance requires Employees to pay thousands out-of-pocket if they or a family member has an accident
• Provide up to $10,000 per accident to pay the Deductible, Coinsurance, Chiropractic, Dental and other expenses
• Give your Employees peace of mind with a higher Deductible and protect their families from health insurance gaps

 

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