With the fall enrollment period just a few months away, small employers are taking a hard look at premium increases and evaluating the pros and cons of new health insurance options available to them. Some are eyeing cost-saving strategies that have been effective in the past for large employers — narrow networks, defined contribution and full- or partial self-funded plans; some will raise deductibles and coinsurance, or drop coverage altogether and let their employees fend for themselves on public exchanges (with or without an employer contribution); still others will move to private exchanges or the Small Business Health Options Program (SHOP) exchange. How health plans design and deliver products to the small-group market will determine whether they maintain market share in today’s turbulent small-employer marketplace. Learn what strategies insurers should be considering for the small-group market … from an experienced broker, a leading small-group carrier and a consultant with a broad national perspective on these issues.
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