14 The Mainline productivity, creativity, and a positive work culture. Yet, the rising cost of healthcare and the employer’s ability to manage its expense has become a major employer challenge for small businesses. As we move into the new year, paychex. com reports that employers should focus on healthcare benefits as an emerging trend in keeping employees happier, healthier, more productive, and loyal to your business. Offering healthcare benefits can be key in attracting and retaining top talent in today’s competitive skilled labor marketplace. Employers who actively make healthcare and preventative care more affordable and accessible are sending the message— that they care about their employees as people who are important to the company. Small Company Health Insurance Plans Cost More In 2025 The Oregon Division of Financial Regulation reported in September that average price of open market small group health insurance plans in Oregon jumped again in 2025—with several providers raising rates by double digits (see table above). t • Educate employees during open enrollment to help reduce poor choices and unnecessary expenses. 2025 Top Employee Benefit is ‘Improved Healthcare Affordability’ Improving Healthcare Affordability. A healthy workforce is the foundation of Group Benefits, Insurance Discounts • Raise deductibles and other cost-sharing with employees, resulting in higher out-of-pocket costs for plan members seeking care. • Reducing benefits, while offering other new ala cart options that may benefit each employee differently. • Offer telemedicine and virtual care options for easier access to healthcare services. Consider differentiated options, like teletherapy and other non-insurance-related benefits and perks. • Provide Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs), which can help employees save on their annual healthcare expenses and reduce employer tax liabilities. • Offer wellness programs/incentives for preventative care, such as fitness, smoking cessation, diet, or mental health counselling. Continued →
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