Affordable Health Insurance
407-792-8896
"Small Business Owners - Are You Worried
About The High Cost of Healthcare?  EIG Can
Help You Save!!










Dear Business Owner:

HRAs-Creative Health Options for Self Employed and Small Group Plans - An
Innovative Alternative to Reducing the High Cost of Medical Insurance

As a self-employed or small business owner, you know offering health
insurance makes your business more appealing helping you attract and keep
the best performers. After all, with the investment you've made in recruiting and
training the right people, losing them means time and money wasted. Small
business health insurance may take a huge chunk out of your revenue, but
benefits often attract better employees and help retain existing workers. But,
with premiums soaring, many small business owners are asking their employees
to shoulder more of the financial burden by increasing their deductibles, cutting
benefits or in some cases eliminating their health insurance benefits entirely.

  •  Have you had a 25% increase in your rates?
  •  Have you already increased your employee deductibles and reduced
    their benefits?
  •   Are you thinking about cancelling your self-employed or small group
    health insurance plan?
  •  Are you currently unable to offer health insurance coverage to
    employees?


If you're struggling to provide health insurance, here are some tips that could
reduce your small business health insurance costs. One excellent option for self-
employed professionals and small groups is a qualified High Deductible
Health Plan combined with a Health Savings Account (HSA) or Health
Reimbursement Arrangement (HRA) - this is a smart way to balance benefit,
cost, and protection. You can realize as much as 25% savings on your premium
costs, while your employees will get peace of mind by funding an HSA to pay for
current and future medical expenses.

Advantages for Employers
  •  You do not need to pre-fund the account
  •  You retain ownership of the funds if the employee terminates
  •  HRAs are available to any size group
  •  Employer can reimburse employees/families for a specific amount or
    medical expense
  •  Expenses reimbursed, are tax-deductible for your business and tax-free
    for employees

Employer Determines
  •  The amount to contribute to the HRA
  •  The amount that can be rolled over to the next year
  •  The employer determines the coverage period and the limit on such
    reimbursements
  •   The reimbursement limit need not be the same for each employee
  •   An HRA may cover both current/former employees, retirees, their
    spouses and tax dependents

The greatest benefit of HRA plans is that they allow the employer to customize
the coverage of the Group Medical Insurance to the needs of his/her
employees, without incurring prohibitive expenses.

Now Is the Time - Control your insurance expense with a High Deductible
Health Plan combined with a Health Savings Account (HSA) or Health
Reimbursement Arrangement (HRA).

For a Free Competitive Rate Quote from multiple Carriers by Email,
please send your coverage information or Census to - Free HDHP - HSA,
HRA Quote. I can also be contacted directly:


At EIG we provide our clients with dedicated, personalized service and
support. I look forward to hearing from you.

Sincerely,

Richard L. Taylor
E-piphany Insurance Group
Licensed Insurance Agent // Financial Planner
Sanford, FL 32771
Tel: 407-267-5040 or 407-792-8896

There is a Difference in where you buy your protection - We treat you
like a Person - not just another number - Get the peace of mind you need
and deserve with E-piphany Insurance Group!

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HRAs-Creative Health Options for Self Employed and Small Group Plans
- An Innovative Alternative to Reducing the High Cost of Medical
Insurance




Richard L. Taylor

Licensed Insurance Agent // Financial Planner
E-piphany Insurance Group   -    Sanford, Florida 32771
Tel:  407-267-5040 or 407-792-8896

Get your Quote Online:  

Assurant Healthcare:  http://richardtaylor.mymedquotes.com

United Healthcare:    https://www.GoldenRuleHealth.com  

Aetna Healthcare:  www.Aetna.com/iqs/aimquote.do
    There is a Difference in where
    you buy your protection - We
    treat you like a “Person” - not
    just another number - Get the
    peace of mind you need and
    deserve with E-piphany
    Insurance Group!