Finding the plan that’s best for both you and your employees means balancing your coverage and budget requirements.
If your main concern is routine healthcare—like annual physicals, prescriptions, and treatment for common ailments—a plan that emphasizes copayments might be best. Though that type of plan might have relatively high premiums.
On the other hand, to insure against the risk of serious illness and significant medical costs, a plan with a higher deductible might be more appropriate. That could help lower the premium, but might also result in higher maximum out-of-pocket costs for employees.