A self-funded employer plan pays claims from company money and follows federal rules instead of state ones

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Two carriers on the same employer menu can cover different hospitals in the same city A narrow network keeps the employer premium down and drops the specialist someone was seeing Moving staff to a high-deductible plan saves the employer money and shifts the first two thousand dollars An HMO with a low premium and a gatekeeper doctor against a PPO that lets you go anywhere Dependent coverage on an employer plan usually runs to age 26 even when the child has a job A low premium with a high deductible suits a healthy twenty-five-year-old and ruins a family Dental and dependent coverage often follow the full-time line even where health coverage does not A preventive visit stays free until the insurer codes the lab work as diagnostic Employer health cover is generally available only to W-2 employees The employer share of the premium is the largest single line in the benefits budget