Employers provide a variety of health care and medical benefits, usually through insurance coverage. Employees often consider health plans to be one of the most important benefits that companies offer.

For several decades, the costs associated with health care coverage have increased considerably in the United States. This raises a number of concerns for both employers and employees because they have to pay for this coverage.

Landmark legislation enacted in 2010 changed health care in the United States, making insurance available to an additional 32 million people. Provisions of the Patient Protection and Affordable Care Act (PPACA) were phased in over several years, culminating in universal coverage in 2014. The PPACA includes many important provisions intended to provide affordable health care for all citizens. To achieve this goal, enrollment in health coverage is now mandated for every citizen.

Employers offering health care benefits are taking a number of approaches to control and reduce their costs. The most frequently used strategies include the following – Increasing deductibles and copayments, Instituting high-deductible plans, Increasing employee contribution, Limiting family coverage, Switching to consumer-driven health plans and Increasing health preventive and wellness efforts.

Some companies have started to offer a variety of innovative health care programs that provide better services to employees. These policies have enabled companies to encourage workers to focus more on health care matters and to participate in corporate programs. Employees are also more educated about health care issues and the available opportunities provided by their employers.
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