Are you tired of the same old health insurance game where it seems your premiums go up 8% to 12% every year??

Perhaps its time that you go about this a different way. It's time you cut out the middle man and stop RENTING your companies health insurance plan. OWNING your own health insurance plan will bring you more transparency, control, creativity, and most importantly lower costs.

Some employees believe they can waive the coverage they are offered at work and go and sign up for a government subsidized individual policy instead. Whether they should or shouldn't do this comes down to whether the coverage you are offering them at work is considered "affordable". Careful, this isn't a subjective term rather the word "affordable" is tied to an IRS definition that states that if the coverage you get at work costs less than 9.61% of your income for single coverage, the offer is considered affordable and therefore you do not qualify for a government subsidy.