Your employees have health insurance but can they actually afford to use it?
One of your employees faces a medical emergency. A broken arm, a sudden illness. Their deductible is $4,000, and they have less than $1,000 in savings.
Suddenly, their health insurance card feels less like a safety net and more like a source of frustration.
This is the reality for many workers today. They are functionally uninsured. Covered on paper but unable to afford care when they need it most.
Here’s What Happens
Delayed care leads to sicker employees and lower productivity.
Higher turnover as talent leaves for employers who offer better benefits.
Damaged company culture when your workforce is frustrated by coverage that doesn’t fit their needs.
Most brokers won’t talk to you about this because they’re pushing the easy button. Spreadsheet comparisons, carrier switches, and cost-shifting make the problem worse.
The Solution
Instead of offering a scattershot of benefits and hoping something resonates, consider a more tailored approach. A multi generational workforce has diverse needs and one-size-fits-all programs often miss the mark.
Real solutions require:
- Plan designs that consider how deductibles actually impact your people’s lives
- Employee education that goes beyond open enrollment
- Alternative funding strategies that put control back in your hands
- Non-insurance solutions like direct primary care and telemedicine that provide real access
Have you surveyed your employees about their benefits? Not just enrollment numbers, actual feedback on whether they can afford to use what you’re providing.
Bottom Line
Your second or third largest business expense deserves more than one-size-fits-all solutions. Your employees deserve benefits they can actually use, not just insurance cards they’re afraid to present.
We’re willing to put our fees at risk to prove we can do better.
DM me for more information.
Let’s have an honest conversation about what’s really happening with your benefits program and how to fix it.