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5 things to consider when choosing a group health plan

There are many circumstances to consider when shopping around for group health benefit plans. Below we outlined our top picks for what to keep in mind when making that final decision.

Chart of 5 things to consider when choosing group plan.

1. Group Size

How many employees are in the group? Allstate Benefits offers flexible plan designs with solutions for groups from 2 to 500 employees.

All groups that sign up for a group health plan through Allstate Benefits have access to quality and affordable health benefit plans, which can help their businesses grow by attracting and retaining talent.

The Allstate Benefits Self-Funded Program offers plan administration, financial protection, and dedicated customer service teams to assist members.

We define small groups as having between 2-50 employees and most of our plan designs are great for small groups.

Mid-sized groups, groups with 51 or more employees, have all of the same valuable services available to small groups like plan administration, nationwide networks, and customer support. Additionally, with more group members, employers may need more options and customization. Additional options are available to mid-sized groups to accommodate larger group sizes.

Knowing how many participants a group health plan will have should impact how employers and their benefits advisors build their plan.

2. Employees' Needs

People have varying health needs. A great way to gauge what employees need in a health plan is to send out an anonymous survey. Including employees in the decision-making process can help them feel involved in their benefits. The survey can include questions such as:

  • Do you have interest in joining the company's group health insurance plan?
  • Would you add a spouse or children to your coverage?
  • Do you prefer to pay lower monthly premiums and more out of pocket? Or do you prefer to pay higher monthly premiums and less out of pocket?
  • Do you prefer having a more expansive network, even if that means paying more for coverage?
  • Would you sign up for vision or dental benefits if offered?
  • Would you take advantage of wellness programs or telehealth services?
Group of people talking.

3. Demographics

It is important and strategic to consider the age range of employees when choosing a benefits plan. Depending on the demographics of the employees, it can help estimate plan usage and what options they will benefit from the most.

4. Budget

A business's budget is crucial in determining what health benefits plan will work best for the group. Employers must consider how much they are willing to contribute and if it is affordable.

One question for a business owner to ask themself is, "how much will they be willing to contribute to the plan if at all?" The Allstate Benefits Self-Funded Program offers a variety of plan types from PPO to reference-based pricing plans to help build a quality benefits plan to fit varying needs and budgets.

5. Industry

A group's industry can be a good determining factor when choosing a benefits plan. Certain industries may be more conducive to lower cost, less robust health plans than others.

Once these needs are identified, consulting with an agent can help find the best plan for the group.

Allstate Benefits – Group Health sales consultants are experts in building the best plans for groups. Call your consultant or call 877-225-5077 today.

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From innovative group health coverage to our industry-leading portfolio of group supplemental insurance products, we have the experience, knowledge and service you need, and a name you know and trust.

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