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30 | I NSIGH T • A p r i l 2 0 1 6 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 Underwritten by Dean Health Plan, Inc. It's no fun being stuck in the middle. Choosing health insurance can put you in a bind. You need lower costs. Your employees want the best health care. Now, with Prevea360 Health Plan, you can give employees access to a network of more than 800 doctors and medical providers, 60 specialties, 36 health centers and 6 top-ranked hospitals. And we've streamlined coordination between health care and insurance, for a more affordable cost for you. Prevea360 can help you build a happier, healthier workforce — and see real bottom-line savings. Learn more about our group plans and LeadWell ® corporate wellness offerings at prevea360.com/employer, or call 877.230.7615. financial risks if there is catastrophic illness or accident. "e problem is there is no market and no competition," he says. Gonyo is not alone in his frustration. Lee Heeter, a partner with Neenah- based Access, Inc., has been watching premiums for his employees, particularly the younger employees, skyrocket the past few years. Heeter says the company has always offered insurance to employees and their families, both as a competitive benefit and a desire to help employees, 17 of whom utilize the company plan. "It was pretty easy to do when the rates were reasonable," Heeter says. "Unfortunately, ACA has done nothing but make that problem worse." Many of the mandates imposed by ACA have driven up costs by eliminating flexibility in the plans available, he says, particularly for young and single employees. So far, the company has opted not to change providers because of the costs involved in underwriting. A self-funded plan is not an option, he says. e type of small business can make also make a difference when it comes to providing health insurance. Seasonal businesses such as landscaping companies have found keeping up with the costs too much of a financial burden to continue. Karri Wolff, owner of Lakeshore Cleaners, a landscaping and snow removal company, previously provided health insurance to her employees in a setup where the company paid the monthly premiums during the off- season and the employees paid during the busy season. Wolff is no longer able to afford to offer any type of health insurance and worries that her employees may not be utilizing the marketplace to find alternatives. "It hurts us because to get guys in, we can no longer offer it," Wolff says. "It's sad because the guys really deserve it and we should be able to provide that perk." ■ Design-build ■ Commercial ■ Industrial 920.733.7305 | www.crstructures.com 571 Marcella St. | Kimberly, WI 54136 Listen better. Plan better. Build better. North Shore Bank, Suamico Pediatric Dentistry Clinic & Family Dental Center, Bellevue