EMS: What You Need To Know About Small Business Health Insurance

Cleveland, Ohio -

Cleveland, Ohio based Electronic Merchant Systems (EMS) recently published a blog post that aims to help small business owners find the best health insurance for their needs. The article specifically offers guidance on health insurance providers whose policies and practices benefit small businesses the most.

Finding health insurance as a small business can be a lot more difficult than in other fields considering the fact that small businesses usually have much fewer resources to work with and insurance providers’ coverage packages are often made with larger organizations in mind. EMS’ guide to health insurance for small businesses makes it many times easier to find coverage that meets the needs of any business, no matter how small they may be.

“There are a lot of questions you have to answer when you decide to start your own small business,” the blog post says. “One of the most important questions you have to answer is how you'll find health insurance for you and your employees. Healthcare needs to be a part of your growth plan. More business means more employees, which means you'll have a greater need for health insurance. And keeping your employees healthy means you will never be short-staffed due to health issues. And remember, healthcare isn't always optional. If you have more than 50 employees, you have to offer health insurance. If you have fewer than 50 employees, you can buy individual health insurance for yourself and your family if you choose not to provide group health insurance.”

Health care costs are high enough that not having health insurance is a terrifying prospect for many people. At the same time, health insurance can be quite costly on its own, especially if it covers family and employees. It is still a lot cheaper to have insurance than not, especially if an individual is suddenly diagnosed with a severe illness or injured in an accident. Winding up in hospital in the US without health insurance is one of the worst things that could happen to a person, which is why it is recommended that everyone have some sort of coverage — and why businesses make it a point to try and get coverage for their employees once they reach a certain size.

How much health insurance costs for small businesses depends on the type and number of benefits provided, who is covered and the percentage of the monthly premium the employer plans to cover. Brokers and other similar organizations may also levy their own charges for their services. Small business owners often spend a large amount of time looking for providers, understanding the needs of their employees, setting up the insurance plan, educating employees and much more in order to ensure that their insurance coverage plan is sustainable. Small busines health insurance can quickly become just as complicated a balancing act as health insurance for big businesses, which is why being informed about all the options available is absolutely necessary.

Health insurance is just one aspect of the growth of a small business. Finding the right payment processing system is just as important, which is where EMS comes in. They are a national payment processor that has been providing services to a variety of businesses for over 30 years. They make it a point to stay well informed regarding all the latest trends in payment processing and are constantly looking to upgrade their systems in order to provide fast, smooth and secure processing services on all major platforms.

The payment processing company says, “The business owners we serve spend more time investing in their business and less time worrying about payment solutions or training employees on payment processing devices. From mobile processing to complete point of sale systems, EMS strives to offer only the best solutions backed by high-quality customer service. When our customers need assistance, they are met with highly trained and knowledgeable customer service representatives, 24/7/365. Whether you call at 3PM or 3AM, you will always be connected to a real person who is dedicated to finding a solution to your concerns.”

For more information on small business health insurance read Electronic Merchant Systems’ post at https://www.emscorporate.com/news/find-the-best-health-insurance-as-a-small-business-owner. Their team can be reached directly in the event anyone wishes to follow up on additional inquiries.