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Affordable Health Insurance For Small Businesses If you have been shopping around for medical insurance for your employees, you may be discouraged at how expensive the different plans are. However, there are ways to get affordable health insurance for small business employees. You just have to know a few things. Below are the top three ways that many small businesses reduce the cost of providing health care to their employees, without scrimping on the coverage itself. 1) They combine their medical policy with another group. This is an especially useful trick for small businesses that have less than 10 employees. The way business insurance works, the more people that are receiving coverage, the lower the premiums will be. Look to other small businesses, or business groups to do this with. Often, an insurance broker can be retained to put something together. 2) Raise the co payment. Your employees have to come out of pocket for every doctor visit they make and the higher this amount is, the less you pay for coverage. Of course, this amount can't be too high because the plan will cease to have sufficient value to your employees. However, just raising it slightly could have dramatic effects on the costs to your company. 3) The less your employees seek medical attention, the less you pay. Take some time to educate your employees on ways to live a healthy lifestyle. The healthier they are, the less likely they will be to go to the doctor. The less often the go to the doctor, the less your company will have to pay for coverage.