* Get high-deductable, low-premium insurance --- make sure it's a plan that qualifies for an HSA. You want to be paying low hundred(s) every month, but also essentially paying out of pocket for your doctor's visits.
* If you have a bunch of people on your team, get group coverage. The major win for group coverage isn't cost (you may actually pay a little more), but that everyone on your team gets covered regardless of preexisting conditions. On your own, you can get flat-out turned down for relatively minor problems.
* Ours is Oxford/United (Oxford if you're in Manhattan, United everywhere else --- Chicago, in our case). I'm not a fan, but it works.
* Carrying insurance has been a major hiring win for us. Again, there are A-players that can't effectively cover themselves, because of innocuous but disqualifying health records.
Carrying insurance has been a major hiring win for us.
I agree; it is much easier to take a job with a small company knowing that the health insurance situation is secure. For many, the two most important things about a job (other than the work itself) is the compensation (salary/equity) and health insurance. Especially if the potential employee has a family.
You could conceivably risk scaring away a great employee due to problems with health insurance. Well, at least here in the USA.
* Get high-deductable, low-premium insurance --- make sure it's a plan that qualifies for an HSA. You want to be paying low hundred(s) every month, but also essentially paying out of pocket for your doctor's visits.
* If you have a bunch of people on your team, get group coverage. The major win for group coverage isn't cost (you may actually pay a little more), but that everyone on your team gets covered regardless of preexisting conditions. On your own, you can get flat-out turned down for relatively minor problems.
* Ours is Oxford/United (Oxford if you're in Manhattan, United everywhere else --- Chicago, in our case). I'm not a fan, but it works.
* Carrying insurance has been a major hiring win for us. Again, there are A-players that can't effectively cover themselves, because of innocuous but disqualifying health records.