Employees usually rank company health insurance as the most important of all their benefits. Not surprisingly, U.S. businesses spend hundreds of billions of dollars on company health insurance every year.

The three most popular types of company health insurance plans offered to employees today are HMOs, PPOs, and point of service plans (POSs). The landscape has changed considerably in the last few years – traditional indemnity health plans have almost vanished entirely, and new consumer-driven health plans are starting to take hold. Some businesses offer only option, while others – particularly those with a large, diverse group of employees – offer two or more.

Which type of health insurance plan is best for your company? There is no easy answer. Premiums change every year, your employee base may change considerably, and state and federal rules can affect costs and coverage in unpredictable ways. Many companies make it a point to reevaluate their company health insurance options every year. Because it is one of the most important benefits to your employees and a huge expense for your business, it is worth taking the time to make sure you make the right choice.

This BuyerZone Group Health Insurance Buyer’s Guide will walk you through the various types of coverage, describe how to shop for company health insurance plans , and give you some tips on getting the most out of your health coverage. When you’re ready, we can put you in touch with health insurance vendors or brokers in your area – free.