The health insurance marketplace has changed dramatically since the passing of the Affordable Care Act in March of 2008. Even though group health insurance is one of the top five expenditures for most companies who offer health insurance to their employees, it is also one of the most misunderstood benefits.

Your employees are your greatest asset. A poorly structured employee benefits program can contribute to staff turnover, delay the timely return from illness or injury, and become a financial burden to your company and employees. A well-designed employee benefits plan can help establish your organization as a competitive employer and safeguard the health and welfare of your employees while minimizing the costs for both your company and your employees.