Shared ********** ***** ******
********* ********* ***** ********** insurance ** ********** ******** or **********, *********** ********* paying *** ** **** healthcare ********* ***** *** common, **** **%+ ** responses ********** ******* ******** as **** ** **** packages:
**** ******* ********* **** while ******** ********* ** not ******* ********* *****, they ******* ********** ***** or ********* ***** **** employees ******** ******** ** their ***.
Family ******** ******
******* ******* ** **** most ***** ******** *** extended ** ********** ******** family ******* ** ****, with ~**% ****** ****** partial ** **** ***** of ******** ********:
*** ************ ***** * company ***** **** *** both * ****** ******** and ***** ****** ******* are *** ******, **** ~95% ** ******* ********** either ******* ******** *** family ** **** ** all.
Partial ******* *** ******** & ******** **** ******
*** **** ****** ***** for ********* ******** **** companies ********** ******* ******** for ********* *** ***** families *****.
***** ***** *******, *** total **** ** ***** both ****** ********* *** their ********** ** ** least ********* **********. ****** did ******* **** ***% coverage *** **** ********* and ***** ********, **** most ************ * ***** percentage ** **** ****** and ********* ********* * plan ***** **** *** 'above *** ******' **** amount:
- "** ***** * ******* insurance **** *** ***** 100% ** *** ******** and **% ** *** employee ******. ** *** large *** ********* *** satisfied, ******** ** **** leave ** ** * large ************ **** ********* for *** ***** ***** with *** ***** ********* like ********** *** *** since **** *** ***** so **** **** ** insurance."
- "** ***** *** ********** costs **** *** *********. This ** ********* *** since ** **** * very ***** ***** ***** the **** ****."
- "******* **** **% ** premiums. *** * ** satisfied **** **** ******* we *** * ******* company *** * ***'* mind ****** ** **** share *** **** *********. Especially ***** * **** a ****** ** *."
- "** *** * ***** amount *** ******** *** health ****. ********* *** then **** ** **** from ***** ***** *** then *** ****** *******. "
- "** ***** ***% ** the ******** ******* *** a ***** % ** the ********* ********"
- "*** ******* ******** ***** paid ****** ********* *** employees (** *** ** pocket ****) *** **** contribute ****** *** **** of ****** ******** ****** it ** ******. *** broker ************ ******** **** year **** ** *** in *** *** **% in **** ********. **** runs ** ******* $**,*** / ***** *** * company **** ** *********."
- "*** ******* **** **% of *** ******** *******, whether **********, ******, ** family. *** ** ********* with **** ***********? ***, it's *** ****** *** opportunity ** ******* * quality ** ******* **** employees *** ****** ***** and **********."
- "*** ******* **** *** vast ******** ** *** cost *** *** ********, with *** ******** *********** for ************* **% ** the ****. *** ******** picks ** *** **** for *** ****** *******, children, ***."
US *********** ********* *** *********
*******, ** ********* ********* ******* dissatisfaction **** ***** *****, regardless ** **** **** company ********* ** ***. Complaints ********* ********** *** uncovered ***** **** ** employees ** ***** *** of *****, **** ****** the ******* ** **** than $*,*** *** *****, representing * *********** ******* of ***** ************:
- "********* *** ***** * monthly *******. * ** not ********* **** **** option ** ** **** covers * ***** ******* of *** ***-**-****** ********* plan."
- "* ** *** ********* **** our **** ******* **** do *** ***** ******. All ***-********** **** **** be **** ** **** until * ********** ** met, *** *** * family **** ********** ** very **** ($****). **'* a ******** ****."
- "*** **** **** ** 10-20% *** ****. *** tough ** ** "*********" with ****. *** *** largest ***-******* ******* ** our *******."
- "*** **** *** **** handle/pay *** *'* *** satisfied **** * ****** plan **** ** **** 1000$ * *****."
- "********* *** ***** * monthly *******. * ** not ********* **** **** option ** ** **** covers * ***** ******* of *** ***-**-****** ********* plan.
- "** *** *** ***% of *** ***** **** plan *** ****** *********. We ***** *** *******, we *** *** *** HSA ****. **** ** our ********* **** * plan **** * ********** if ****'* *** **** they **** **** **** pay *** **********. **'** not ********* **** ****. We **** ** ***** better ********* *** *** rates **** ***** ** and ** ****** ***'* justify *** ******** *******."
- "** *** ******** ********* with **** ** *****, but **'* ******* ****** each ****. ** *** to ***** ****** ******** for **** *****."
- "** *** ******** ** it. *** ********* ******* it ***** *** ****. for *** ********, **'* over $****/*****."
Employee ****, *** ********
***** **** ****** **** at ***** ********* ********* families, ************ ******** ******** to ****** ********* **** *** not ******** ********** *********** nearly */*** ** *********:
- "******** ******** *** **** for ***%. ******* *** children *** ******* ** the ******** ***%. ****** insurance ** ***** *********."
- "******* **** ****** ***% of ******** **** ****** plan. **** ******* ** $470 *** ***** *** employee. ******** **** *** upgrade ** **** *** for ****** ** ****** coverage."
- "*** ******* **** *** the ********* ******** *** we **** ** *** for ****** *******."
- "**** *** ******** **** no ****** *** * am ******** *** **."
- "*** ******* **** *** vast ******** ** *** cost *** *** ********, with *** ******** *********** for ************* **% ** the ****. *** ******** picks ** *** **** for *** ****** *******, children, ***."
*************** With ** ********** **** *** (*********)
** *** ****** ******, many *********** ************ ****** out ************ ********** ** affecting ******* ** ******* of ********. ***** ********* often ****** ********* *** the ******* ***** *** colloquial '*********' *******:
- "*** ******* **** *** majority ** *** ******** insurance. *’* *** ********* because ********* *** ******* the **** ** ********** and * ** ****** for **."
- "*** ********* *** ******* full **** *** ******** and **% *** ****** until ********* ** ***** point *** ******* *** pretty **** ** *** expense ** **. *** the ********* ****** **** sucks, ******* ***, **** copay, **** **** ***********. I **** ***'* ** to *** ******(*) *******."
- "*** ******* **** **** the *******. *'* *** satisfied **** **, *** that's *** ******** ** our *******; *'* ********* dissatisfied **** *** ******* health **** ******** ** the **."
- "** **** ****** **** 100% *** *** ******** until ********. ** ***** family *****, **** ******** by *** ********. ** were ****** ** **** on *** ********** ******** to *** ********* ********* this **** ********. ** one ** *********, *** it's *** *** ********* fault. ***** ********** *** suffer ***** *** ***. This ****** ***** *** boss ************. ** **** 1 ****. ****** ******* around *** *** ****** to ****."
- "*************, ** ** ****** provide ****** ********* ** the ********* ********* ** premium **** ****** ** much. ** *** **** everyone * $***/** ** spend ** **** ****, most **** ****** ********** policies ** ***** ***- our ******* **** *** buy ******** ******* **** our ******* *** ****."
- "*********? **! ********* ** robbing **!"
Outside ** ************ ******
*******, *** *********** ******* the **, ********** ******* satisfaction *** ********* ******. While ********* ****** ** region, *** ******* ************ was **** ******** *** negative ** ***** ********:
- "(******) ******** ** *** ********* in *** ** **'** very ********* ***, **** all ********* *****, *** always **** ** ** paying **** *** ****."
- "(*******) ** *** ** HMO **** ******* *** basic *****, ** *** satisfied ******* ** *** has ********** ** ***."
- "(******) ** *** ********* ******* it ****** ** **** to *** ******** *** it ******* *** **** stopping."
- "(*******) **** ******** *** ********* and ** ** ********* cause ** ***** **** is ******."
- "(********) ***. *** ** okay. ** ********, **** is % **** *** salary."
- "(******) ** ****** ******, * good ******* ** ********** is ******* ******* **********. The **** ** * mutualized ********* ****** *** company *** *** ******* pays **% ** *** cost ** **** ********."
Good ********** * ****** ****
*** ***** **** ******* was **** *** ********* 'good' ********** ******** **** in ********** *** ********* employees. ******* ********* ***** their *********** ********* ******* better-than-typical ********** ********, *** that ****** *********** ** loyalty, *********, *** ********** efforts:
- "******* **** *** **%, rest **** ********. *** I ** ********* **** security ********* ** *** area ** *** **** health ***** *********."
- "*'* **** ********* **** our **** ** ********* and *** ******* *******. Our ********** ** **** more ********** **** ***** smaller *********."
- "***, ** *** ********* and **** ** *** employees **** **** *** better ******** **** *** other ***** *********** *** offering."
- "** *** ****. ***** medium **** ****** *****. Best ** *** ** now."
- "** **** ** **** solid ***** **** ******* the **** ******** ******* to *** *********. *** competitors ***** ***** **** provide ***** ******** *** are *** ** ********. Candidates ***** ***'* ********** evaluate *** ******** **** the ****. ** ******** we're ********* ****** ******** I'm *** ********* ** helps ** ******* *** retain ******."
State ********* ********* ** **** *********
******* ********* ******** **** *** them, ********** ** * simple ******. ********* ******** an ******, ******* ***** country's *** ********* ******** to *** **** ******** government ********:
- "** *******, ****** **** insurance ** ********* ** the ***. "
- "** *********** **** ** long **** **** *********. The ******** **** * assurance *** ****** *** accident *******. *** ******* pays * ********* *** accidents ** *********** ****."
- "*** ** ***** ** Belgium"
- "**** ********, ***'* **** any. **** ** *********."
- "** ******, ****** ******** and ********** ******** *** supported ** **********. "
- "*** ********** ** ** EMEA **********"
- "** ****** *** ****** care ********* ** ** obligation. "
- "** ***** ****** ********* on * **** ** case *****. ** *** country, ********** ** ****."
**** ** ***** ******** to ********** ** '****' despite ***** * ******* program ****** ** *** or *******.
Comments (2)
Christopher Freeman
Well I had really good Health care untill obummer took hold of this and gave the insurance co. open check book
No I have 80/20 w 5 k deductible and co pays and my rates Doubled
no the 400 per month payment just bought a new car, office building , other things for the insurance co.s
Thats right now 800 per mth for 2 people with exceptions and 20k limits at thier best
If I make a decent living the cost is really 2300.00 per mth for a really bad policy , good to some , but not in my opinion
That s way politics must stay out of the industry , as they mismanage your life like the go v. very badly
Money grab for the politicians
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Undisclosed Integrator #1
This topic hits close to us and has been the basis for some very difficult discussions. We are extremely proud of the healthcare benefits we offer, however the expense to the company is becoming too high of a burden. Since the start of Obamacare, our premiums have increased by 10%-19% per year.
Like many others, I am sure, healthcare benefits that we have always provided are something that we may not be able to continue offer going forward if we wish to remain financially viable (we are under 50 employees, so this is not a "required" benefit).
It is a very difficult decision, no doubt.
Do you downsize the installation team and use a strictly subcontractor model to allow the provision of paid medical benefits for the remaining admin, project management and engineering team members? Or do you keep the installers and drop medical coverage (which may result in losing them anyway)?
Interested to hear of future plans for integrators in the 10-49 employee size. Anyone doing anything unique with benefits that differentiates them and is still financially responsible?
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