How does a private exchange help Small Businesses?

May 1, 2013

The two biggest problems facing Small Business health plans today are cost and administration. Throw on all the changes from the Affordable Care Act and you've got a complicated mess.  A private exchange takes care of everything benefits so you can take care of your business.


Lowering your costs


You'll get the buying power of our nationwide network, so you'll be choosing from lower priced plans. We'll develop a personalized financial strategy to save your business even more money. Our advice goes way beyond quotes on a spreadsheet. We'll develop a personalized financial strategy just for your business.


A Small Business is not subject to any penalties for not offering insurance to their employees, so you have more options. You can select from low-cost business plans offered through the private exchange, or you can give your employees access to our Individual and Family private exchange instead. If your employees qualify for tax subsidies based on their family size and household income, they can only use it toward individual and family policies.


We'll present all your options to you in everyday language so it makes sense. We'll be able to show you, down to the penny, which option saves you the most money.By using a private exchange, you pick a fixed dollar amount to give to each employee to spend in the store. So you don't have to worry about renewal increases anymore. Employees login to the secure store that we'll build just for your business, and go shopping. Employees love building personalized benefit packages that are unique and perfect for them.


Administration Ease

We'll give you a custom benefit management system built just for your business. It will be branded for your business and we can load it full of whatever company information you'd like - maybe an events calendar, or employee handbook, or even a video message from you.


Employees login, set up a profile, and make their benefit selections from your store. As they are adding benefits to their shopping cart, they are enrolling online in those benefits. Each employee can download a benefit app to their smartphone to have 24/7 access to benefits or to make changes.


Now Open Enrollment is a snap! Your benefit management system can also be linked to your payroll system, so employees can have access to payroll information and compensation statements. Get access to other private exchange technology and services such as Section 125, COBRA, FSA, HSA, or HRA administration.


Health Reform

It seems like everytime we turn on the television, we are hearing something about the Health Reform law, but it's still hard to know how it will affect personally or affect our business. And that's why you have the experts at our private exchange.


You know that all the plans that you enroll in through the private exchange are 100% compliant with the new law. Our experts will handle any calculations, reporting, or employee notifications required under the Affordable Care Act for your business.


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