The best way to research and purchase health insurance is through a health benefits broker. You will not pay additional fees by utilizing the expertise and experience of a good health benefits broker. They can walk you through the options and paperwork to get your company insured.  [less]

A Health Maintenance Organization (HMO) is an organization that provides a wide range of comprehensive health care services within a specific network of providers. A Preferred Provider Organization (PPO) is a health plan that builds a network of “preferred providers” offering discounted fees. Members may go outside the network but risk paying more to out-of-network providers. HMO members must stay within their network and generally have lower overall costs for their coverage.  [less]

The basis of Governor Schwarzenegger’s reform plans is “shared responsibility.” In order to expand coverage to all Californians every stakeholder in the healthcare industry must do their part. From hospitals and doctors, to insurance plans, to employers and individuals, everyone must play a part in reforming the system. For the individual, you will be required to purchase health coverage, with possible assistance provided by the State based on income levels. The good news is that you cannot be turned down for insurance for any reason.  [less]

Surveys of business owners show that employers who offer health benefits will have a positive impact on employee recruitment, retention, productivity, and overall employee health status. Running a business with smart, healthy, productive employees should result in an overall bottom line financial gain for the business.  [less]