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Is your insurance plan failing your employees?
Most companies set up employee benefits plans and then stick with them religiously throughout the life of their business. The fact is that you should review your plan at least every couple of years to determine if your plan is still meeting the needs of your employees. As an employer, you have a fiduciary responsibility to your employees but more importantly, a great benefits plan can help you save money by not having to train new employees to replace the ones you have lost.
Employee demographics matter
If your employees are all in their 20's then the chances are that they either are covered under their parent's insurance plans or they can purchase insurance inexpensively through your group plan. This age group tends to go for coverage that has higher deductibles for one simple reason: They are generally healthier than older employees.
As employees move from their 20s to their 30s, many of them marry and have families of their own. This often means their medical insurance and life insurance needs will have to be adjusted. Anyone with children knows that the chances of a child not seeing a doctor at least once a year is practically nil. Therefore, this age group, with younger children will probably be looking for a plan that offers lower deductible and co-payment amounts. Additionally, they will want to be able to cover their spouses and partners under the policy you are offering.