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Depending on your income, you may be eligible for lower-cost, subsidized coverage purchased through Obamacare's state health insurance exchanges. Or, you may qualify for low-cost coverage.

As you can probably now see, there's a lot of potential advantages to employees purchasing health insurance on their own. They get to choose a plan that works best for them and can apply for a subsidy that could cut a significant chunk of the costs. If this is something that interests your employees, you might prefer to give them a stipend, rather

There are different plans designed to suit specific need. These include: Major Plans - This type of policy is usually effective in covering serious illness or injury where costs are high. Hospital care, remedies and doctor's visits, are usually covered. It includes Indemnity plans, Preferred Provider Organization (PPO) plans, Health Maintenance Org