As the health benefits and the price tags continually change from year to year as we proceed through the Affordable Care Act, it’s very important to educate the employees at your company. Sears Insurance does this through employee meetings, free of charge for their existing Clients. The employers are often unaware of the resources available to them and that’s why they rely on an independent agent to bring those resources and tools to not only employers, but also to their employees.

When a business owner entrusts me with the premium dollars and benefit choices, it truly affects not just the bottom line, but every employee, spouses and children alike. One of the ways that we can support your employees is to educate them on flexible spending accounts and health savings accounts. The general public has a very poor understanding of these tools.

As health care continues to change and evolve, we see that what we used to know as our old co-pays, for example $25 to see your doctor, are no longer available. What we’re seeing more of are higher deductibles and higher maximum out of pockets while the premiums continue to rise. So, how we can help fix that is work on the gap between dollar 1 and the maximum out of pocket. And ways to do that are to offer an HSA or an FSA.

HSA Brochure 1, HSA Brochure 2

There are tax advantages that are being overlooked, there are premium advantages and while these products have been available for some time and have been overlooked by the majority, these are becoming more and more the way to see healthcare today.

Please read through the explanation about how an HSA can be of help to you. I have attached a few links to help understand how an FSA or an HSA could benefit you and your employees. As I consult with you prior to your group renewal, I will be discussing these options with you for your consideration.