As health care costs continue to rise, obtaining and maintaining affordable health insurance for low-income adults and families has become a more prominent challenge. And the lack of admittance to low-income health insurance can have terrible effects: one study observed up to a 15-year difference in life expectancy between America’s wealthiest and poorest residents. For employers to help the employees, they must know the health barriers that residents of low-income regions face as well as what actions are available to support close the gap.

Health insurance that is administered to employees by an employer or by an organization to its members is called group coverage. Small business health insurance is surprisingly very important as it can help to lessen the amount of time that you and your people require to take off from a job due to ill health through quick access to diagnosis and eligible treatment. Group insurance has numerous advantages over individual insurance, including the Opportunity to get basic coverage for all without evidence of insurability or Significantly lower costs, it also includes cost-sharing with the employer.