Health Benefit Plan Design

Health plans are one of the most popular benefits provided to employees. In today's environment, consumer driven health plans are a necessity. Whether you begin by offering a cafeteria plan or you implement other design techniques, you need to explore the options. Apple Growth Partners' benefit plan design team can assist you in designing a health plan that maximizes the benefit for everyone.

Employers can realize numerous advantages from a well designed plan. Tax related savings include payroll taxes and tax deductible plan administration fees. Insurance costs may be reduced, and future rate increases are cushioned by sharing expenses with employees. Plan options include Premium-Only Plans (POP) - the simplest for of a cafeteria plan, Flexible Spending Accounts (FSA) - a reimbursement plan, Health Reimbursement Arrangements (HRA) - an employer-funded account  for unreimbursed medical expenses, and Health Savings Accounts (HSA) -  a tax-advantaged savings account.

Contact Sue Peirce or Cindy Cort for more information on designing a flexible health care plan for your organization:
 speirce@applegrowth.com or ccort@applegrowth.com.