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Health Insurance IL-IN Health Estimates


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Keeping workers healthy in the workplace environment is a goal of many companies.
It serves the employees well to reap the benefits of good health especially when they are able to use their vacation days for actual vacation time and not sick days. It serves business owners in the sense that when people feel well their job productivity is increased.

Who doesn’t love a win-win arrangement? Companies across America take initiatives to create a good atmosphere for their employees. It is documented that there is a lower turnover of workers when a business owner cares for their employees, strives to make the workplace agreeable and provides good health benefits.

Having long-term employees is another win-win situation because it offers workers:

Job security
Familiarity with coworkers
Pride in accomplishment
Intellectual stimulation
An income to invest in their future
Finances to pursue their dreams

For the business owner the win-win shows in:

Workers able to accomplish more
Workers better able to contribute ideas leading to more productivity
More profitable teamwork projects
Less disruption in productivity output
Less resources in constant retraining new employees
More cooperative employer/employee relationships

If your company wants to go the extra mile, provide them with access to the best employee health benefits available at, an agency that has a BBB top rating for excellent service and works hard to offer savings that make a difference.

Here are some creative inspirations you can incorporate in your company:

New Ideas – your employees understand your company in a way that is different from yours. Tap into their insight for new product ideas, better ways to do business, solve a problem, increase sales, or increase productivity. Offer a prize to the employee who offers the best idea; gift baskets, diner gift certificates, kindle, iPad, etc. Think about your employees to determine a gift that appeals to them. If you decide on a “cash bonus” include a physical trinket (amusing stuffed animal, mug, picture frame, etc) that will serve as a reminder of their accomplishment.

Perfect Attendance – this one is not announced. Recognize an employee who has not missed work for an extended period of time (barring vacation) with a simple card of appreciation and coffee gift card or similar. Appreciating and noticing an employee’s extra efforts or faithfulness benefits all staff.

Weight Loss Challenge – this is an optional participation in enjoyable competition. Everyone who wants to participate contributes a token amount between $5 - $10 and the company kicks in a higher contribution. (It’s more about the activity than the money) Everyone is weighed in and documented. After a period of 60 – 90 days there is another weigh in and the person who has lost the most weight wins the “jackpot.” Getting everyone thinking about better health rewards everyone. To add a little more thoughtfulness, keep a secret and recognize second and third place winners with a token gift such as a healthy meal cookbook, pedometer, or other small health related gift.

Gift Horse – A little pre-planning and lots of fun. This can range from serious to silly, depending on your crew size and their level of good ‘naturedness.’ You get 12 identical small objects (toy figures or other item, about 2 inches tall, miniature rubber ducks or frogs are easy to find) A nice touch would be if you could make the object humorously work relevant. Number each one. Place them in odd, inconspicuous places (corner of window sill, supply cabinet, lounge refrigerator, etc) Send out memo or make announcement that there are several “toy ???” that have been misplaced and if anyone finds them to please bring them to office. Each toy’s number will correspond with a small gift. Gift items can be themed (different types of candy bars), trinkets (scented candle, unusual snacks, handy items). If done quarterly, you can have coworkers conspire and add silly personal touches. For instance all gifts consist of a Reese’s peanut butter cup and added contributed items such as “A hug from Sarah” “A bowl of John’s homemade chili” “Ruthies homemade cookies” “Eric’s favorite movie on DVD.”

All businesses want loyal employees that take an interest in furthering the companies aim. A business owner that creates a work environment that values employees will have workers that value their job.


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Your business can offer a great employee health insurance policy and cut costs with an innovative plan of Self-Funding.

It offers businesses a more streamlined method based on the costs reflected to expected claims for your company. This is not a one size fits all plan and offers financial protection for your business.

This is good news for Chicago Area companies searching for the best in affordable employee benefits to offer their workers. Also Available throughout Illinois and Northwest Indiana.

You can take good care of your employees as this plan is not subject to state mandates. This allows you to end the frivolous/unnecessary coverage that the recently forced mandates caused health insurance premiums to skyrocket. It will save your employees money as well.

Self-funded plans are more stable than conventional plans that treat all companies alike. There is an added bonus that when health care costs of your employees are lower than expected, you could receive a percentage of your funds back.

Previously only super large corporations could take advantage of this type of group health insurance policy. In cooperation with the Aetna Funding Advantage, you can now participate in a policy that lets you have the advantage.

Through this plan you could:


Discover how you can easily implement Aetna Funding Advantage to the benefit of your employees and your company’s overall financial health.

Call Today to Learn More

(708) 754-5300
(800) 324-1004

No Obligation To You

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Read to serve those who need to beat the health care mandate. Special help for those not yet enrolled for medical care.
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Looking for great health coverage. Check out our Get Covered Illinois walk-in enrollment center.
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Open Enrollment Low Cost Health Insurance Plans, No cost to you, quick and easy, get enrolled in best health plan.
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Which businesses qualify for SHOP tax credits?

You may qualify for employer health care tax credits if you have fewer than 25 full-time equivalent employees making an average of about $50,000 a year or less.

To qualify for the Small Business Health Care Tax Credit, you must pay at least 50% of your full-time employees' premium costs. You don’t need to offer coverage to your part-time employees or to dependents.

The tax credit is worth up to 50% of your contribution toward employees' premium costs (up to 35% for tax-exempt employers).

Use the Small Business Health Care Tax Credit Estimator to find out if you qualify and how much you may save.

The credit is available only if you get coverage through the SHOP Marketplace.

Higher benefits for smaller businesses

The tax credit is highest for companies with fewer than 10 employees who are paid an average of $25,000 or less. The smaller the business, the bigger the credit.

Example of how the tax credit works

Example for an employer who qualifies for the maximum credit worth 50% of their premium contribution in 2014:

Number of employees: 10

Wages: $250,000 total or $25,000 per employee

Employer contribution to employee premiums: $70,000

Tax credit amount: $35,000 (50% of employer's contribution)

Find out if you qualify for the small business health care tax credit

You can find out if you qualify for the small business health care tax credit by visiting You can also consult with your tax adviser or accountant to learn if you qualify, and if so, how much your credit will be.

Have questions about the SHOP Marketplace for businesses with 50 or fewer employees? Call 1-800-706-7893 (TTY users: 711). Hours: Monday through Friday, 9 a.m. to 7 p.m. EST. Agents and brokers may also use this number.
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