Alliance Insurance Brokerage

If you and your dependents are on a group health plan, there is a good chance that you are paying too much for health insurance.  Group rates are based upon the overall health of the group, the age, and the gender.   In most cases, this means that everyone is paying an above standard premium.  Furthermore, an employer is required to pay 50 percent of the employee’s premium only.  As a result, 100 percent of the responsibility of the dependents premium falls directly on the shoulders of the employee. A way to lower these costs without sacrificing coverage, is to consider purchasing health insurance on the individual market.  Since the dependents are being underwritten separately instead of as part of a group, they have a better chance at getting preferred or standard rates which equates to big savings.  As a final note, since the insurance is theirs, portability will not be an issue if you are laid off from work or decide to start another career.   Click here to get a quote.