Group health plans allow small businesses to offer competitive benefits at lower rates than individual plans. Wellness programs reduce employee sick days and improve productivity, cutting down on costly turnover and absenteeism.
Investing in wellness programs leads to healthier teams and fewer claims, which keeps premium rates lower. Encouraging mental and physical health helps prevent burnout, saving money on downtime and healthcare expenses.
Freelancers often face high out-of-pocket costs without insurance—having a personalized health plan prevents surprise medical bills. Preventive care and wellness support reduce long-term expenses by catching issues early before they become costly.
Self-employed individuals can deduct insurance premiums and access affordable plans designed to fit fluctuating income. Wellness support helps avoid chronic illness costs that impact both health and business operations.
Many employees, especially in small firms and freelance roles, struggle to afford health insurance—forcing them to skip or delay care. According to the RAND Health Insurance Experiment, participants required to pay full medical costs spent 30 % less but also avoided necessary care—leading to long-term health decline and higher emergency costs
When workers can’t access affordable coverage, turnover rates soar. A 1998 study using MarketScan data found firms offering insurance had significantly lower turnover, while nonprofit firms with limited benefits experienced higher attrition due to poor access to care .
The financial impact of that turnover is substantial—research across industries shows replacement costs range from 50 % to 200 % of an annual salary, with healthcare roles averaging 0.75–2.0× salary per departure.
At Health Consultant Experts, we guide organizations through effective wellness planning by focusing on two core pillars: education and enrollment. As first line responders to insurance we are made of updates and trends first! We help your team understand the value of preventive care, mental health support, and healthy lifestyle habits—then walk them step-by-step through enrolling in the right programs to fit their needs.
Our goal is to make wellness both accessible and actionable, ensuring your employees are informed, engaged, and empowered to make healthier choices. By investing in education and simplifying enrollment, we help businesses reduce long-term healthcare costs, boost productivity, and improve employee retention.
