Kaely Christensen - Unlocking Health Insurance & Employee Benefits: A Guide for Home Service Business Owners

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Kaylee Christensen, a health insurance broker, joins Branden Sewell on the Off the Ladder podcast to discuss the challenges of offering health insurance to employees in small businesses. They explore the complexities of the health insurance system, including the impact of the Affordable Care Act, pre-existing conditions, and rising costs. Kaylee provides tips for small business owners on understanding when they are ready to offer health insurance, such as getting quotes, conducting employee surveys, and exploring alternative options like captive plans. They also discuss the need for reform in the health insurance industry to make it more affordable for small businesses. The conversation explores the challenges of offering health insurance for small businesses and provides insights and resources for navigating the complex healthcare system. It discusses the impact of the Affordable Care Act on small employers and the limitations they face in negotiating rates. The conversation also highlights alternative options such as level funding and the importance of understanding cash prices for medical services. It emphasizes the need for small business owners to find a broker who will listen to their needs and help them make informed decisions about offering benefits.
Takeaways

• The health insurance system is complex and challenging, especially for small businesses.
• Getting quotes and conducting employee surveys can help small business owners understand the cost and feasibility of offering health insurance.
• Alternative options like captive plans and supplemental coverage can be considered for smaller businesses.
• Reform is needed in the health insurance industry to make it more affordable and accessible for small businesses. The Affordable Care Act penalized small employers and limited their ability to negotiate rates.
• Level funding is a middle ground between self-funded and fully funded plans that can be beneficial for small businesses.
• Understanding cash prices for medical services can help save money.
• Finding a broker who will listen and provide guidance is crucial for small business owners.
• Resources like Health Rosetta, The CEO's Guide to Restoring the American Dream, Never Pay the First Bill, and Dollar4 can provide valuable information and assistance.

Chapters

00:00
Introduction and Purpose of the Conversation

03:47
Background and Services Offered by Harbor Financial Group

16:15
Tips for Small Business Owners on Offering Health In

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