Are employers responsible for offering health insurance to employees through companys of the employees choice?

Answer 1

Employers are not responsible for offering or providing health insurance. If they offer and provide health insurance, it is simply a perk (which is taxable in the UK). You are limited to whatever the policy and company they provide and is usually only provided to the employee. If you wish to hold a different policy with the same health insurance provider, you are typically expected to pay the difference. Adding members of your family to the policy will also typically not be covered by your employer so you will have to pay for them.

Answer 2

No. They aren't required to offer ANY health insurance at all. It's strictly voluntary. When they DO offer health insurance, what they can offer is highly dependent on how many employees they have. If you have 500 employees, you can offer 3-5 different plans to chose from. If you have 10 employees, you're only going to get one plan, take it or leave it. The employer picks the plan(s), then the employee has two choices - take it, or leave it.

Answer 3

Nope. You don't get a say in what insurance company your employer chooses to provide benefits through.

(This is assuming, of course, that your employer chooses to offer health insurance benefits at all...which they are not required to do.)

The employer (or a broker/agent acting on the employer's behalf) generally looks around for the best deal that they can get and negotiates a contract with the company. ("Best deal" doesn't necessarily just mean lowest price - the company or agent will also look at the financial stability of the insurance company, track record, etc. But price certainly is a huge factor, of course.)

Answer 4

Most employers are not responsible for offering insurance period, much less at the choice of the employees.
If they offer insurance at all, it is one that will take them as a group and then they decide how much of the premium they will pay and how much the employee will pay.

Answer 5

No they are not. Employers are not required to offer health insurance at all. A job with health benefits usually means you are offered a defined health package. It may include your choice of more than one medical provider, but this is strictly up to the employer.

Answer 6

There has on no account been this variety of regulation. Employers do not could desire to supply well being insurance in any respect. it incredibly is a income. A perk. Be grateful you get any help out of your business enterprise in any respect. In those complicated cases, many employers are thoroughly cutting well being care. Many employers, in certainty, i could argue maximum, in the event that they do supply worker well being insurance, they don't conceal any added for kinfolk. To get a family individuals plan, the worker many times has to pay all added costs. stable success! :0)

Answer 7

no, if you are lucky they offer a group plan that you can join, but they are not required to even do that. You will not have any options as to deductables or even the provider, thats all set by them, and not negotiable, pretty much take it or leave it. I'm lucky enough to have my comapany pay for my health insurance, and so far its been great, I would tweak a few things if possible, but its not an option, so I live with it and be glad its free for me!

Answer 8

Compare health insurance, 2insure4less:
http://compactsource.info/rdnet/2insure4less/1

Answer 9

Nope.

Employers are not required to offer health insurance at all. If they do, they offer it thru their preferred company - which is usually the one who gives them the best deal, price-wise.

Answer 10

if you are offered H insurance [good] don't think you will get a choice though