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Offer More Than One Health Plan to Your Employees

Small businesses can offer more than one plan to their employees just like large companies.

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DC Health Link offers small businesses two options for plan choice:

OPTION 1: By Benefit Level

Employer offers all plans from all insurance companies in a benefit level. The benefit levels are: Platinum, Gold, Silver or Bronze. Employer picks benefit level.

Platinum
or
Gold
or
Silver
or
Bronze
Each employee picks an insurance company and a plan that best fits their needs at that benefit level.
and
and
and

OPTION 2: By Insurance Company

Employer offers all plans, at all benefit levels, from one insurance company. The insurance companies are: Aetna, CareFirst, Kaiser Permanente, or UnitedHealthcare. Employer picks the insurance company.

or
or
or
Each employee can then choose any plan that best fits their needs, and budget, from that insurance company.
Platinum
and
Gold
and
Silver
and
Bronze

No matter which option a small business chooses, the small business is in control of its budget.

Here is how it works:

The small business chooses a base plan (called “reference plan”). The employer never pays more than its contribution to this base plan.
The employee selects a plan and pays the difference, if that plan costs more than the base plan. If an employee selects a plan that is less expensive than the base plan, the employer, and the employee, save money.
The small business receives only one bill even when employees enroll in plans from different insurance companies or different plans with the same insurance company.

Why should an employer offer more than one health plan?

  • Can save money
  • Provide better employee benefits
  • Compete with large companies
  • Enjoy administrative ease, with no extra work to offer more than one plan
  • Still receive just one monthly bill, regardless of how many different plans employees enroll in

Don’t just take our word for it, listen to what employers who offer Health Plan Choice to their employees through DC Health Link are saying:

The food industry isn’t exactly known for providing health benefits to its employees. When we signed on employee number one, we made sure Mess Hall signed up for health insurance coverage through DC Health Link’s small business marketplace. We now include health insurance benefits in every offer letter we make to potential employees, and we give our employees the flexibility to pick the insurance company they want by offering a metal level of benefits. It’s just good business. Healthy employees miss fewer days of work. They can see a doctor when they do get sick, get treatment, and back to work more quickly.”

Al Goldberg
FOUNDER, MESS HALL

"Our employees deserve health insurance plans that work best for them and their families, and being able to offer them over fifty health insurance options and allowing them to take a more active role in selecting their coverage achieves that goal. We believe our employees deserve access to the best possible health care coverage and we're able to offer it to them through DC Health Link!"

Marisela Rodela
CHIEF COMMUNITY AND CULTURE OFFICER, DC BRAU BREWING COMPANY
Still have questions? Check out the video below, contact your health insurance broker, or call a DC Health Link Customer Service Agent at 1-855-532-5465 (TTY 711) for more information.
For more details visit the resource center of DC Health Link.