From Inc · · 50s
Stop the Gold Plan Trap
Offer a single Bronze health plan to save money and reduce employee anxiety.
In brief
Offer a single Bronze health plan to save money and reduce employee anxiety. Businesses can cut insurance costs by switching from Gold to Bronze plans with HSAs or MERPs. Originally reported by Inc.
The Gold Plan Trap
The Gold Plan is a wealth transfer from employees and companies to insurance carriers.
The Math of Bronze
Switching to a Bronze plan saves $3,000 per employee annually in premiums.
Prefund the HSA
Deposit $3,000 into each employee’s HSA on January 1st for a $0 deductible.
The MERP Strategy
Pay 100 percent of medical expenses after the first $1,000 deductible.
Employee Shift
Employees become consumers who use preventative care and telehealth options.
The 2026 Edge
HSA limits rise to $4,400 for individuals and $8,750 for families in 2026.
The essence
Businesses can cut insurance costs by switching from Gold to Bronze plans with HSAs or MERPs.
