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Navigating Health Insurance Post-Pandemic: How Employers Can Support Employees


Navigating Health Insurance Post-Pandemic


The COVID-19 pandemic has irrevocably altered many aspects of our lives, not least among them the landscape of health insurance. Recent data from the Kaiser Family Foundation (KFF) indicates a notable decrease in the uninsured rate, dropping from 10.2% in 2021 to 9.6% in 2022. This shift, largely attributed to pandemic-era policies and an increased emphasis on affordable healthcare, underscores the vital role employers play in providing health insurance. In this evolving landscape, Fundamental Care®'s Level Funded Health Plan Options emerge as a beacon of support for employers and employees alike searching for post pandemic insurance.


Understanding the Post-Pandemic Insurance Trends


The KFF report illuminates key trends in the health insurance domain. Notably, the pandemic-era policies, including Medicaid expansion and enhanced Marketplace subsidies, have served as a safety net for many. For employers, understanding these shifts is crucial in making informed decisions about employee health benefits. Fundamental Care®’s health plans align seamlessly with these trends, offering accessible and comprehensive coverage.


The Importance of Employer-Sponsored Health Plans


Employer-sponsored health plans have always been a cornerstone of American healthcare. In 2022, employer coverage accounted for a significant portion of the insurance uptick. Fundamental Care® tailors these plans to both small and large employers, ensuring a perfect fit for different organizational needs. Our plans are designed to be not only comprehensive but also cost-effective, addressing the primary concern of high insurance costs that keep many uninsured.


Features of Fundamental Care® Health Plans


Fundamental Care® stands out with its unique features:


  • No Deductibles: Unlike many plans, ours require no deductible, easing the financial burden on employees.

  • 100% Preventative Services: In line with ACA requirements, we ensure complete coverage for preventative care, encouraging proactive health management.

  • Affordable Core Plan Options: Catering to diverse employer sizes, our plans are structured to be affordable, ensuring they are within reach for small businesses and advantageous for larger organizations.

  • Low Copays and Unlimited Virtual Direct Primary Care: Recognizing the importance of accessible primary care, our plans include low copays and unlimited virtual care options.


Impact on Employee Health and Financial Stability


The KFF report highlights the financial and health ramifications of being uninsured. Uninsured individuals often face unaffordable medical bills and are more likely to delay or forgo necessary medical care. By offering comprehensive yet affordable health insurance, Fundamental Care® directly addresses these challenges. Our plans are designed to ensure that employees are not just insured, but also have access to the care they need without the looming fear of financial hardship.


Conclusion: The Role of Employers in Shaping a Healthier Future 


As we navigate the post-pandemic world, the responsibility of employers in contributing to the health and well-being of their employees has never been clearer. Fundamental Care®’s Level Funded Health Plan Options provide an opportunity for employers to play a pivotal role in this endeavor. By choosing the right health plan, employers can ensure their workforce is healthier, happier, and more productive. In partnership with insurance brokers and general agents, we are committed to making quality healthcare accessible to all.

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