Medical Health Insurance
Helping your employees cover essential medical expenses.
Your employees want to know that they and their families will be protected from high medical costs in case of injury or illness. Your Highstreet agent can help you find the right medical coverage within a healthcare plan that works for your business or organization.
The best employees want the best possible coverage.
Employers like you know how important good health benefits are to both your team and your organization, even as costs are rising.
ranked health-related benefits as “very important” or “extremely important” to their employee packages.
say that health benefits are the primary focus of their benefits portfolio.
is the increase expected in employee health insurance costs in 2024.
Medical employee health benefits can cover:
- Primary care
- Preventative care
- Catastrophic illness or accident
Inpatient and outpatient hospital care
Pregnancy and childbirth
Frequently asked questions about Employee Medical insurance.
Under the Affordable Care Act (ACA) if your organization has 50 or more full-time-equivalent employees you are required to provide health insurance.
If your organization has fewer than 50 employees, and you want to provide them with health insurance, you may also qualify for the ACA’s Small Business Health Care Tax Credit. Talk to your agent about your options.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees who would otherwise lose their coverage the right to choose to continue group health benefits provided by their group health plan for a limited time. COBRA covers situations such as job loss, reduction in the hours, or transition to a new job, as well as death, divorce, and other life events.
Your Highstreet agent can help you understand COBRA, and whether it applies to your situation.
Your business or organization is unique. Your Highstreet agent is here to really understand your employees’ needs for employee health and wellness as well as the realities of your budget. There is no one-size-fits all solution, but there are options that are just right for you.