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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.


Business health insurance

Employee benefit plans use salary-deducted insurance that may be subsidized by the employer


Small business employers give these reasons to explain why they offer employee health plans:

  • to use the health plan as an attraction and retention tool (86%)
  • Concern that employees would have to pay more in the exchanges to replace employer coverage (30%)
  • Desire to avoid paying a penalty to the exchanges (26%)

Employers also identified the top potential benefits of PPACA, such as the increase in wellness incentives (37%), access to the exchanges for part-time employees (31%) and retirees under age 65 (23%), as well as the option to terminate coverage knowing employees will have another option in the exchanges (16%).

We suspect that a majority of employers will switch from a defined contribution to a defined benefit type of health plan using a cafeteria-style structure. Consumer-driven components like flexible spending accounts (FSA) and Health Savings Accounts (HSA) will continue to grow in popularity as more small businesses adapt this flexible approach to their employee benefit plans.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.