Debate two (2) advantages and two (2) disadvantages of purchasing health insurance for your employees, as opposed to having your employees receive governmental insurance.

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Benefits of buying health insurance for employees
1. Cost savings: Employers may be able to purchase health insurance at a lower cost than purchasing coverage through government. They might also have access group rates plans which offer higher rates than individual policies. Offering healthcare benefits for employees may result in higher productivity, reduced absenteism and better overall well-being.
2. You can customize your employer-sponsored health insurance plans to meet your specific needs. This allows employers to customize their policies to suit the needs of each employee, as opposed to having them all receive the same coverage from governmental programs.

The disadvantages of buying health insurance for employees
1. Administrative burden: If employers offer healthcare benefits they must follow complex rules and regulations. It can prove to be difficult if these companies do not have the resources or expertise required. Additionally, it is important to consider the costs of administering employee benefits programs like payroll deductions or paperwork processing when making decisions regarding health care plan provision from an organizational perspective.
2. High premiums are not affordable: Although there may be cost savings over governmental alternatives, some employers still have difficulty affording employer-sponsored health insurance plans. Premiums can put businesses at financial risk if they don’t manage their finances well. Additional resources may be required to research alternatives and monitor changes in regulations or prices. This could complicate the decision-making process when selecting the right plan for your employees.

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