Group Health

Group health insurance allows employees to enroll in health insurance, often at a discounted rate. Providing workers with access to discounted or free health insurance can help attract and retain top talent. A high-quality health insurance plan is the cornerstone of the benefits package for many companies. 

Contact Wimmer Insurance in Detroit Lakes, Minnesota, to learn more about choosing a health insurance plan for your company.  

What Is Group Health Insurance? 
Group health insurance provides healthcare coverage to members of an organization or employees that work for the same company. Group health insurance premiums may be less expensive than purchasing an individual healthcare plan because insurers can spread risk across multiple policyholders.  

For group health insurance participants, coverage may be extended to family members and dependents for an additional cost.  

How Does Group Health Insurance Work? 
When your company purchases a group health insurance plan, your employees can opt into coverage as part of their benefits package and pay a premium from each of their paychecks. 

Health insurance premiums purchased through an employer are tax-deductible. Employees won’t pay federal or payroll taxes on health insurance premiums. 

Depending on the plan’s rules, an employee may receive no-cost or low-cost healthcare services like preventative care, routine screenings and access to telehealth services. 

When an employee or covered family member needs to see a doctor, fill a prescription, visit the emergency room or have surgery, they may pay a co-pay or co-insurance. Still, their health insurance could help reduce their out-of-pocket expenses when accessing critical healthcare services. 

What Are the Advantages of Offering Group Health Insurance? 
Offering your workers access to subsidized group health insurance can help you build a benefits package that attracts top employees. Plus, any funds the company spends on group health insurance benefits are exempt from payroll and federal income taxes. 

Your agent can help you understand how the various benefits of offering group health insurance may benefit your organization. 

How Much Does Group Health Insurance Cost? 
Your group health insurance premiums vary according to several factors, including: 


Contact your agent today to get a personalized quote for group health insurance for your company. 

Get Started With Group Health Insurance 
The agents at Wimmer Insurance are ready to help you evaluate your group health insurance options and choose a plan to meet the needs of your employees. Contact us today to learn more about how this critical benefit can attract top talent in your industry.