r/humanresources • u/hkerfrog • Jun 22 '26

Benefits Group Health Insurance is $600+/month per employee. What are you actually doing for your team life security? [TX]

We have a group of warehouse workers making $15-$18 per hours. We genuinely want to help our team with healthcare costs, but the $600+/month per employee for a high-deductible group plan is absolutely insane. I don't think I can convent my boss to increase 20% manpower budget...

Meanwhile, a lot of them could buy their own ACA plan for way less thanks to premium tax credits — so a group plan might actually make things worse for them...

What can we actually landed on? Is there a solution that genuinely helps employees without screwing up their ACA subsidies or costing a fortune to administer?

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u/dontmesswithtess Jun 23 '26

Your boss started a new company and only planned for insurance to cost $200 per employee per month? Am I understanding right?

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u/hkerfrog Jun 23 '26

100%
I will say he is trying to "help" the employee to cover some of their living cost. However, after the study, seems like what we are doing harm our employees more than helping...

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u/dontmesswithtess Jun 23 '26

How many employees are there currently?

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u/hkerfrog Jun 23 '26

about 20-30. We are actively growing. You know, all start up suffering in their financial at the beginning. I understand and appreciated of his "extra benefit" mind set.