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Good intentions, poor execution.
You (the employer) purchase health insurance for employees but can only afford the policy that has a high deductible. To you, this has value because it covers catastrophic risk.
However, let’s look at the employee perspective. They think, “This policy is useless. It never pays on any of my claims because of the high deductible.”
The “Real” Affordable Care Act
Catastrophic coverage can be useful, but statistically it goes unused. With limited funds available to purchase employee benefits, employees will see more value in being able to get treatment at a local clinic with no out of pocket charges.
Beyond the clinic, employees also have the option to call or video chat anytime with a doctor—24/7, seven days a week.