3. Evaluate the Network: Ensure it has a broad network of physicians and hospitals that are accessible to them. The more extensive the network, the more flexibility in the availability of care to employees.
4. Other Incentives: Some will offer other additional benefits to include mental health support or wellness programs. Others include telemedicine for some employees as part of their insurance benefit.
5. Costs Budgeting: The costs of premiums and any increased rates in the future are something that small business owners should budget for. They need to find a way to balance good coverage with cost management.