Integrators, How Are You Dealing With Health Care Insurance Costs?

I am sure at least some if not many here would be interested to know what kinds of solutions integrators have for the ever spiraling cost of healthcare in the US. Do you provide healthcare coverage for your employees? Do you have employee contribution or are you still covering the cost 100%? If you have contributions, are they based on a dollar amount or percentage of cost? Do you let them shop it around or do you provide it and they have no influence? Interested in the methods in play in our industry. Thanks.

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****, **** *****!

** *** ****** ****** **** ********* ***** ******** $*,*** *** month *** * ******. **'* ****** ****.

* ** ********** ******* *** *********** *** ******** ** **** lower **** *********. **'* *** ***** ** *** ~$**,*** * year ** ******* ****** $***,*** ******. **'* ******* ***** *** a **** ****** $**,***...

** **** **% ** *** ******** **** *** ******* **** year (******** ******* ****, *** ****** ** ********). ** **** renewed *** **** **** **** *** **** ******** *** * 19.7% ********. ** ******* ** ***** *** ********** *****. *** employees *** *** **** ** **** ****. ** **** *** for $*** ** **** **** ********* *** *** *********. * will *** **** *** ****** ****** *** **** *** *** did *** ** ***** ** ** *** ******. *** ********* market ********* ** *** **** **** *********, *****! ** *** way, ** **** * **-******** *******, ** *** ***** *****.

"** **** **% ** *** ******** **** *** ******* **** year (******** ******* ****, *** ****** ** ********)."

*****, **** ***** *****. *** ** *** ********** ** **** if *** ***** ****** **** *** *** ********'* ***** ****** vs ******* ******** *** ** ******, *** ****** *** *********** makes * *** **** ***** **** *** ******, ********** **** equal.

*** ** ********* **** ******** ******** ****** ****** **** **********? For *******, ** *** *** * **** *** **** * kids, ****'* ****** * *********** ******* ** ***'* ***, ***/**?

* ******* *** **** ** *** ******** ** ******* ****** insurance *** ***/*** ****** ****** ** ****** $***/*****. **** ** certainly * ***** ******* ** ***** ***** ***. **** ****, I **** ******* **** **** ****** *********, ****** ********* **** you *** *******, ** **** ***** ** ********* ************ *******. My **** *** * **** ***** $*** *** $*.** ** services *** *** ******* ***** ***** ****** *** ***** ***** years ** ****. *'** **** **** ***** *** ***.

******* ** *********** * ************, ** *** ** *** **** year ** * ************* ****. ** *** ***** ** **** to ******* *** ******* **** ****. * ********** ******** ******* their ***********. ** **** ********* ******** *** ******* ** **** thread **** ** ** ******* *** ******* **** ****.

**** ** **** ** *** *** **** ****** *****.

**** ********, **’** **** *** ****** ********* ******** ** ** over *** **** ****** ** *****. ** **** ** ***** 100% ** * **** ************* **** *** *** ****-**** *********. Last **** *** ***** *** ******** *** *** **** ** had **** ***** *** ***** *** ** ****** *********. ** we ****** *** ***** ***** **** * ********* *******, ** told *** ********* ** ***** ***** *** **** ***** **** (IMO *** **** ** ******* *** ***** **** ********* **** the *** ****) *** ** **** ****** *** **** ** had ****** **** ***** **** ** *** *** **********. ********* this **** ******** **** *****, ********* ******. ** **** **** dedicated ** *** ********* *** ****** ** ***** *** **** always **** *** **** ** **** **** ** ****. *** we’re *** **** ** *******, **’* **** *** *********.

* ** ***** **** *** **. *****. ** *** ****** identical ** **** ** **** ******* ** *** ****, *** what *** ******* ** *****.

** ***** * *********** ****** ** ******** ***** *** ** contain **** * ******, * ***** ********* *** **** **** a ******* *** ********** ****. ** ** * ****** ** reimburse **** ********* *** ****** **** *******, ***-******* ** ****, and ****** **** ** **** *** *** **** **** *** the **** **** ** *** **** ******, ***** ******* ** or ***, **** **** ******** **** *** ***** *** *** supply. **** ** **** ** ********* **** * **** ** details *** *****. *** ****** *** ******* *** *****, **** take **** ***** *** ****. **** **** *** ** ***** business. *** **** **** *** ** ***** ********. **** **** have ** *** *********.

********* ***** **** **** ** * ***** ** ****** ********* plan, * ***** **** **. *** * ***, ** ** was ************* *** *** ***** *** *****. *** * ** being ****** ** ****** ** ***-********* **** **** ***** ****** $10,000 **** *** ****! ** ******** (* ************) ********** *********** $600 *** *****. *******, **** ****** **** *** ***** *** increase. **** ******* **** ** ****** **** ******** **** **** me $*** **** *** *****.

***'* *** ** *******! - **'** **** ***% ** ******** for ** **** ** **'** **** **** * ***. ** years. *** ***** ***** **** * ***..

******, ** ****** **** ***** **** ********* *** **** ******** overall ************ ** ***? ******* ** *** ***** *** ***% of ****** **** *** **** ****** ****** *** ******** *** say *******, **** **** ******** ****** *********?

* **** ** *** ***** *** ******, *** * **** tell *** *** ** ***. *** ******** ********** **** ** approximately ***/**. **** ******, *** *** ****** *******. * *% increase ** ******* ** **.**/** ** **** **** ***.**/****. ** has ** **** **** *********. ** *** *** *** ** the ********* *******, *** ** ****** ****, **** **** **** increased **** ****.**/**** ** ****.** *** **** *** ********. ** does *** ***** **** **** **** *** **** **** *** employee's ****, *** ******** **** ** ** *** *** **** you ***. * ******* **** **** **** **** ** **** same ******** **** **** ** ***** **** ** *** ****. I **** ***** **** *** ***** ** ****, *** *** employees **** ** ******* **** *****. ** * ** *****, the ********* ******* **** *** ****** **** *** ***********. **** is *** **** * *** **** ***.

** *** **** * **** ****** **** ********* **** *** or ***** ***** ** ****** ****. **** *** ****** ******** me. ** ****** ***** **** * ****, **** ** ** employees **** **** ** **** ******** **** ***'* **** ** want; ** **** **** **** ** ******* ******. **** **** we **** ******, *** *** ***** **** ****, ** ******* the ******** ******** ** *** ********* ** *** **** ** plan **** *******. **** *** ** **** *** *********, *** just **. ******** *** ********* ********* *** *****. ******* **** in *** ******** **** * ****** ***** ** ** **** will ** ***** *** *** **** **** * *****. *** small ** ***-***** *********, *** ******* *** ****** *****, **** have * ***-**, * ** *** ********, *** ******* ** or ***, ** *** ******* *** ***** ****. **** *********, employees **** ******** ***. ***** ** ** ***** ******* ** that **** **** **** *** * ***** ****** ****, **** can ******** ******** ** *******. ***** ******* **** ** *******. Seems ********* *******, *** **** ** **** ** **** **** with *** *** ****.

* ***** ********* ** ******** ***** ***-**** ** ******** ***** internet *******. *** ******** ******* **** ****** ******* **** **** they *** (***** ***** ******** **** ** *** ** ** options *** *******), *** ** *** ****** **** **** ***. Businesses ****** **** ** *** ******* * ********* ******** ** individuals.

******** ***** * ***** *** * ***** ********* **** ** give ** ** ****. ******* **** ********** ******* ******, *** cost ** ****** **** ******** ***** ****. *** ** *** want **** ********** ********, **** **** *** ** ** ******** in *********** ** ***** ************ ** * *******.

** ** **** ** ****** **** **** ** ****** ** relatively **** ** *** ***'* ******* ****** **** ********** **** always ** **. **** * **** ***? **** ***** ********** out ** *** ******** *** *****.

****, **** ********.

* ***** ** ***** ** * *** ****** ** ********** was *** ********* ** **********.

**, ** *** ********* ** **** ***** *** ******** ** maintenance *** *******, *** ******** **** ***** **** ***** *** average. *******, ***** ** ****** **** ********* ********** ** *** employees, ****** **** "*****" **** **** ********* ***** *****.

** *** **** * ********** ** * *** ** ***?

******

*****,

*'** **** *********** *** **** *****, *** *****'* ****** *** trigger ***.**** ** * ****** ********* ** ***** **** ********, *** ****** *** ******** on **** ****. ************* ** * **** *** ** *** who **** ** *** *** ******* *** ** ** ********, but **** **** ** **** **** ********* ***** **** *** sites **** ******.

* **** ***** ****, *** ******* */* ***** **** ** almost $*,*** ******* ** ****. ******** *****, ** ****** **** to **** **** **** ** ****. **** *** * ******** I ****'* ********** ** ***** * ***** ********, *** *** more ********** ** ** * **** ********** ********. (***** *** TRYING ** ** ***) **'** ********** *******/******** ** * *** for *******, ********* *** *******, *** ***** ****** ***** **** has * *********** ******* ****.

*'** ****** *** *** ***** ***-******* ***** ************* **** *** past **** *****. * **** ***** $***/***** ** ** **** gig *** ****** *** ** ****** ******. ** ******* ******** covers *** ***** ********* ** ** **** ** ** **********, but, ***** * ***** ************, ** *** *** ********* *******. I ****** *** * *** ** ******** ****** ****, *** insurance *** ******** **** $*** ** $**** * *****.

*** *** *********** ********* **** *****? **** ** ***** ******* is ****** **** ****** *********** *** * ******* *****, ********** under *** *** ********** ***********. *********, ***** *** **** ***** with *********** ** $*,*** ** ****.

** ************ ** **** **** ***** * **** **** ************ were ***** ***********, *** ** $*** *** **** ** **.