I work for a MN based company that has between 50 and 100 employees. They offer Health Partners insurance and that is what we have. I have moved to Idaho now and am still employed with the same MN company. Health Partners was a good option for us in MN, but not so much in Idaho. Is it possible for the company to offer multiple health insurance companies that we could choose from? Continue with Health Partners as an option, but offer others that have better coverage in areas outside of MN? We have additional employees in FL, NV and ND (and possibly more).
Thanks in advance for your help!
Yes, offering multiple health insurance provider options is something a company can do, but it’s not as easy as it might seem. Depending on the payroll provider they use or whether they are working through a professional employer organization (PEO), they will have different options. Some smaller companies work with their local business insurance agent to purchase health insurance for their employees. It sounds like Health Partners is the one they choose. Unfortunately, that’s not the best option if they have employees who don’t work near the home office location or where the health insurance company has approved providers (as you’ll often end up paying the more expensive out of network cost). A better choice is to work with a payroll provider (like Gusto, Paycor or ADP) that offers multiple health insurance options like Blue Cross, United Health, and Aetna, or work with a national benefits provider like ehealthinsurance, or work through a PEO, like Justworks or Trinet.
To get good health insurance for our 100+ employees who work all over the US, my company uses a PEO — otherwise, it would be hard for a New York-based insurance company to offer me decent insurance in Arizona. You may want to print out one of the articles below, share it with your hr team, and then be patient. Changes like business health insurance take time.
Consider sharing your concerns with your company so they can evaluate options as they scale their business and add employees all across the US.
Laura, HR Writer