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36 | I NSIGH T • O c t o b e r 2 0 15 w w w . i n s i g h t o n b u s i n e s s . c o m HEALTH INSURANCE and platinum having a high premium and minimal out-of-pocket expense. Schultz says some companies are moving down to the bronze level of coverage and then also offering HSAs as a way to help employees pay the higher deductibles. "ere's just so many options out there, which is why businesses are asking for help in figuring it out," says Schultz, adding some employers also are opening onsite clinics where workers and family members can receive care for free. Another possible cost-saving mechanism down the road harkens back to the past: the return of health management organizations or HMOs, which limits which providers a patient can see, Kambitsi says. "Everything is so cost prohibitive, I wouldn't be surprised if HMOs started coming back," she says. "It's a tough choice because the first thing everyone wants to know is if their doctor is in the network. Employers need to rely on consultants and their insurance carriers to help them keep costs at a reasonable level. ere's a lot of misinformation out there." Companies also look to wellness programs to help improve the overall health of their workers since that should lower health costs long term, Hanson says. She adds that very small companies, which aren't in a position to offer health insurance and not required by law to do so, may offer other benefits, such as life insurance, disability coverage or even a very flexible schedule, to attract and retain employees. Hanson says the market is still adjusting to the influx of the newly covered, many of whom may have expensive health issues. "ose who are unhealthy have been the winners with ACA since they are paying less overall while healthy ones tend to be the losers and wind up paying more," Hanson says. "Unfortunately, I don't see a light at the end of the tunnel." www.communityfirstcu.com (920) 830-7200 or Toll-Free 1-866-273-2328 APPLETON, KIMBERLY, GREENVILLE, NEENAH, DARBOY DE PERE, HOWARD, BELLEVUE, OSHKOSH, NICHOLS MANITOWOC, TWO RIVERS, WAUPACA, NEW LONDON 'Finding A Way'... To Help You & Your Business Thrive! Community First is very business friendly. They never left a question unanswered." Jerry and Karen Vandermause Maritime Gardens Assisted Living CFCU Member/Owner " Whether you're a small start-up or a booming business, we're here to help you every step of the way. Jerry and Karen decided to take on a new business adventure by opening an assisted living facility. Community First helped the couple secure a Small Business Administration loan. The new business is making a real difference for the couple and their community. Let Community First find a way to make a difference for you and your business too!