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Do you own your own business, but don't offer your employees medical insurance because you think you can't afford it? Well, here's some good news for you! You can afford to offer the employees of your business medical insurance. You don't have to be a huge, multi-million dollar corporation in order to offer your employees medical insurance; you just have to know a few simple tips.

1.Search for insurance companies that specialize in offering medical insurance to small business owners and their employees. You don't have to look for insurance companies that only sell medical insurance to small business owners and their employees, but it is best to only look at those who are familiar with the medical insurance needs of small businesses.

2.Talk with these insurance companies about their group rates. Some insurance policies will require the small business owner to pay all of the costs, while some require the small business owner to pay a portion of the costs. With the help of the insurance company's agent, you can figure out your budget and the kind of coverage you can afford to offer your employees.

3.Talk with these insurance companies about the different kinds of policies you want, and are able, to offer your small business employees. You may want to offer a fee-for-service plan, a health maintenance organization (HMO) plan, or a preferred provider organization (PPO) plan. Each different plan will allow you different kinds of flexibility regarding the budget of your small business.

So you see, as a small business owner, you can offer your employees medical insurance. You just have to know the steps to take and the people to talk with about your needs and financial capabilities. Research insurance companies that specialize in helping small business owners obtain medical insurance for their employees, talk about group rates, and decide on what kind of plan(s) you can afford to offer your employees.
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