The Health Insurance Marketplace is an extraordinary opportunity for subsidy eligible
individuals and part time employees to obtain health insurance at a low cost in many scenarios.
Preferred Health Insurance Solutions (PHISOnline.com) makes it easy for individuals to enroll in the Health Insurance Marketplace.
If engaged, your employees will have a clear outline and understanding with regards to
the Government Premium Subsidies and coverage options available, including assistance with enrolling if the individual
Through our hands-on process of:
- Department Meetings
- One on One
- Group Presentations
We can help you make sense of it all!
COBRA enrollees roughly costs companies 54% more in claims than active employees.
COBRA enrollees costs employers $11,000 in annual costs (versus $7,204 for the average active worker).
source: spencer's benefits report
If you are one of the many employers who are looking to discontinue group health insurance coverage or have
a large volume of employees who will be separated from your company benefits due to termination or reduction
in hours, we have the solution for you.
As a result of terminations, most employees are provided the opportunity to keep their employer-sponsored
health coverage for a limited time through COBRA Continuation Health coverage. However, COBRA can be a costly
alternative for both the employer and the employee.
PHISOnline.com takes a three-step approach to work with your employee to help them consider alternative health
insurance options provided by the Marketplace:
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- We will review with the employee the COBRA benefit plan and associated costs for maintaining that coverage.
- We will educate the employee on the comparison of plan and pricing for COBRA coverage versus coverage
available to them through the health insurance marketplace.
- We will assist the employee with securing a marketplace plan, which will likely provide lower overall
costs for both the employer and the employee.