Health insurance from employers is relied on by many individuals across the nation as the costs of healthcare are on the rise and can be quite expensive for anyone without an insurance policy. Yet, there are small companies who do not have health insurance for their workers, which can be problematic if employees are met with a sudden illness, injury, or any medical treatment for certain conditions.
However, group health insurance plans provided by employers may bring affordable healthcare assistance to workers who are currently uninsured. While there have been tax credits offered for companies who do not provide health insurance for workers–in the hopes of getting employers who do not have coverage to purchase health insurance policies and prompt companies who do have policies to keep them in place–there is still the trouble that many workers are uninsured and may face outrageous medical costs were an emergency to arise.
While there are options for individuals who are unemployed, when it comes to healthcare, many of these unemployed individuals feel that health insurance costs are simply an expense that cannot be met. Yet, even for those who are out of work, short-term health insurance plans are offered at affordable costs, sometimes costs lower than those associated with COBRA, and can provide coverage were a catastrophic medical emergency or to arise.
Health insurance proponents have often pointed to the fact that employer group health insurance plans can be quite affordable for business owners since the risk would be spread out over a greater number of people. Workers who try to insure themselves or their families may meet with higher costs if they seek coverage from a plan that goes beyond any short-term health insurance option.
While some companies are still feeling the pressure related to current economic conditions and believe that the costs of providing health insurance are simply too expensive, there are, again credits available that may make health insurance premiums more affordable or simply employer group health plans that can be quite cost-efficient for almost any company no matter its size.