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3 Reasons Why Employers Should Offer Their Employees Health Insurance

Your employees are the life and blood of your company, so caring for them should be top priority. If you’re not offering your employees a health insurance plan, you may be letting employees with the highest potential slip through your fingers. If you want to be a step ahead of the competition, you have to attract the best people in your field of work. The benefits of offering your employees health insurance include:

Lower Absenteeism
Offering health insurance gives your employees the ability to maintain their health. Healthy employees are 27% less likely to call out of work. Whether they get a cold or have an abscess tooth, with health insurance they are able to get help right away instead of being out of work for an extended period of time when things get out of hand. 

Higher Productivity
Not only are healthy employees at work more, but they also work harder. When someone is able to maintain their mental and physical health, they are able to focus on the job at hand. Their moral, loyalty, and energy are up and they actually have the freedom to focus on work instead of medical debt or illness. This benefits everyone in the company from the employee themselves to the investors. 

Lower Turn-Over Rate
Employees who feel like their employer cares about them are more likely to be loyal. When you hire someone, you should imagine whether or not you can see them working at the company for the net 20 years. As people age, they begin to have health issues and without health insurance, medical bill debt can sky-rocket. If you’re not offering health insurance, employees who are planning, or already have, families are likely to leave for other companies that do offer it. High turn-over rates cost the company exponentially in hiring and training costs, so if you try to cut corners with health insurance, you’ll end up losing money in the long run.


 Offering Health Insurance may seem expensive, but it is worth it in the long run, and Cosmo Insurance can help you create a plan that works for your budget and your employees.


Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.