in Philadelphia. “Particularly if your employees can take advantage of federal subsidies on the health care exchanges.”If you opt for a high-deductible insurance plan, Health Savings Accounts are a good way to help employees manage their share of the cost. These plans are like a 401 for your health care costs.
“We tell our clients to maximize their HSAs, even before you contribute to a 401,” says DeNinno. “For many employees where they can’t control their health-care premiums it gives them the chance to better control their out-of-pocket expenses and therefore their overall costs.”Finally, there may be some savings to be realized by comparing and then negotiating premiums with the major carriers like Blue Cross and Aetna.
“The most important thing is getting ahead of it early and understand what the next 12 months looks like from a hiring perspective,” says Glassman. “Unfortunately for many of my small-business clients the health-care decision gets pushed to the last minute and then it’s status quo. They say, you know what, I don’t really like dealing with this, but it’s worked and let’s just keep it going. Meanwhile, they’re getting hit with that increase.
Gene Marks is a certified public accountant and the owner of the Marks Group, a technology and financial management consulting firm in Bala Cynwyd.
Or they can just hire 1099's and allow people the flexibility of being SelfEmployed
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