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Group Health Insurance

Group Health Insurance

Health Coverage for Employees

Group health insurance is a way to purchase health coverage for employees or members of an organization. Rather than having individuals purchase health insurance on their own, the employer or organization buys the insurance. Employees or members can then elect to participate or forego coverage. There are group health insurance plans that cover groups of all sizes, from just a few employees to corporations of thousands of workers.

Benefits of Group Health Insurance

Buying health insurance as part of a group is less expensive than buying individual health care coverage. This is because the risk is shared across the entire group, so the insurance carrier can afford to lower the price of premiums.

Offering health coverage to your employees through a group plan has other benefits, too. You reduce work absences and loss of productivity when employees have health care coverage. You also make your business more attractive to job candidates and retain employees longer when they know their health care is taken care of.

Group Health Tailored to Your Business’s Needs

At McNamara Insurance, our independent brokers can help you find the right group health insurance plan for your business or organization. We work with a range of budgets and can assist you when it comes to balancing premiums, deductibles, and copays, so policies are affordable while still providing good coverage.

We can also advise you about purchasing group health insurance through the Affordable Care Act (ACA), which requires business owners to provide health insurance coverage that meets certain criteria. In most cases, there are tax credits available to offset the expense of employee health care coverage.

Please call us at 617-964-0200 to tell us more about your group’s health insurance needs. We’ll tailor a plan for you from the many options we have available, so your group gets the protection they need.