Navigating Group Health Insurance: What Employers Need to Know

Why employers offer group health insurance

• Attract and keep great people. Health insurance is still a top factor in job decisions. Strong benefits help you hire and reduce churn.
  
• Tax-smart. Employer contributions are generally deductible, and employees can often pay their share pre-tax through payroll (confirm with your tax advisor).
  
• Stay compliant. Group coverage helps meet ACA and other legal requirements. 

What to consider when choosing a plan

• Start with your people. Look at demographics, run a quick survey, and review claims to see what matters most.
  
• Compare plan types. HMO, PPO, EPO, POS—each has different networks, rules, and trade-offs.
  
• Set a fair cost split. Decide how much the company vs. employees will cover and model total cost, not just premiums.
  
• Think beyond medical. Dental, vision, disability, and life round out a competitive package.
  
• Double-check compliance. Make sure you’re aligned with ACA, ERISA, and state rules. 

How to manage it well

• Have a true 1:1 partner. You want transparent, year-round guidance—not a once-a-year renewal scramble.
  
• Communicate clearly. Use plain-language guides and quick Q&A sessions to explain benefits.
  
• Make open enrollment easy. Offer timelines, decision aids, and live help so employees choose confidently.
  
• Provide ongoing advocacy. Give people access to experts (like OPOC’s Personal CARE Advocates™) for claims and provider navigation.
  
• Review annually. Workforces and costs change—revisit plan design and vendor performance every year. 

Why Businesses Partner with OPOC.us

Most employers see healthcare costs rise by 10–15% each year. OPOC’s model delivers the opposite: on average, clients reduce total healthcare spend by 11% in their first year and keep per-employee costs flat for more than a decade.

Proven results from OPOC case studies include:

• $3.3M saved by a restaurant group over 10 years
  
• $1.26M saved by a manufacturer over 7 years
  
• $957K saved by a senior living provider over 10 years
  
• $3.0M saved by a municipal services company over 10 years 

Here’s why it works:

• Full-Service Benefits Administration – We reduce your HR burden with by handling enrollments, eligibility, billing, and vendor coordination so your HR team can focus on the business.  
• Strategic Plan Design – Align benefits with how employees actually use care.
  
• Competitive Pricing – Access to data-driven negotatiaions, even as a smaller business.
  
• CARE Center Support – Personal CARE Advocates™ provide white-glove help to all employees at no added cost.
  
• Integrated Services – Payroll, HR, wellness, and retirement solutions streamline operations. 

Group health insurance doesn’t have to be complicated—or expensive. By choosing smarter plan designs and working with a partner like OPOC.us, you can offer better benefits, reduce costs, and strengthen employee satisfaction.

Contact us today: 800.724.8802 or send us a message, to learn how we can help you design the perfect group health insurance plan for your team.  

FAQs

What is group health insurance?
It’s an employer-sponsored health policy that covers employees and their families, typically at more affordable rates than individual plans.

Why is group health insurance important for employers?
It helps attract talent, improves retention, boosts productivity, and ensures compliance with regulations.

How much does group health insurance cost per employee?
Costs vary by industry, location, and workforce demographics. Many OPOC clients keep per-employee medical spend flat for more than 10 years, compared to the market trend of 10–15% increases annually.

How often should I review my group health plan?
At least once a year, or sooner if your workforce or costs change significantly.

What support is available for employees?
Only OPOC offers Personal CARE Advocates™ who provide white glove support to employees with their claims, bills, providers, and benefits questions at no additional cost.