Should Employers Move to Individual Health Insurance Plans?

The idea of employers dropping a group health plan in favor of employees having individual coverage has been circulating for some time now.  For years, many companies have been providing health insurance benefits to their employees and many of these employees take advantage of this benefit.  With all the affordable health insurance options, employers are closer to deciding whether or not to have their employees go on their own as far as health coverage is concerned.
Having to go out and get your own health insurance as an employee can be very intimidating, and rightfully so, but obtaining individualized health insurance is not as difficult as you think.  Believe it or not, finding health insurance is almost like auto or home insurance in the sense that you can go online and find quotes within minutes from a reputable insurance agent.  This has made getting insurance easier for those whose employers do not have a plan, or if the employee chooses not to use it.
Having an employer provided insurance plan is very beneficial, but more often than not, these plans are pretty generic.  One benefit that individualized health insurance plans have is that they can be tailored to employee’s specific needs.  No two people are the same, and neither are their health coverage requirements.   Not only will this option offer more flexibility for employees, but employers will also help them with costs.
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If employers decide to change to employees having individual health care plans, the idea is to provide the employee with a higher salary to help them with the costs of their new plan.  This will potentially save the employers a great deal of money in the long run due to the fact that they will no longer need to pay for health coverage and the bump in salary may be less than the health insurance costs per employee on the employer’s group plan.
One of the big reasons that this issue has become more relevant lately is because of Obamacare.  Since the creation of Obamacare, many Americans are either for or against the new policy.  Ezekiel J. Emanuel was quoted in an article in Newsmax saying that Obamacare will be “the end of employer-sponsored insurance” and also, Obamacare is “a good thing that helps control costs and improve consumer choices”.
Emanuel was also quoted in saying “It’ll be a matter of a few big employers, blue-chip companies making the move”, and “Then it’s going to be the norm.”  Many employees who currently have employer provided insurance plans are scared of the possibility that they may be on their own when it comes to getting their own coverage.  Health insurance is a necessity, and the idea of not having it and needing to get it on your own can be very stressful.
Because of Obamacare, the American Action Forum estimates that roughly 43 million employees will lose their employer provided health insurance coverage.  This is a good percentage of the workforce, and over time this number may grow substantially.  If you currently have employer provided health coverage, are you worried if they decided to stop offering it?  Would you be better on you own and save money over what you have now?
 The professionals at Ion Insurance understand that health coverage is extremely important for you and your family, and we take great pride in providing you only the best.  Contact us to get started with a health or any other type of insurance quote today.