An Employer's Choice

Abstract

Abstract Attracting and retaining good employees in the United States generally requires that employers offer health care benefits. However, employers take on a heavy responsibility when they decide to offer health care benefits to their employees, and must decide how to stop loss and insure those benefits so that they do not bankrupt the company. Variations in plan coverage are difficult to understand and, because of the rising costs of health care delivery, an aging workforce that uses more health care services, the skyrocketing use and cost of prescription drugs, and a backlash against HMOs, are complicated decisions.