{"id":5503,"date":"2025-04-23T21:49:09","date_gmt":"2025-04-23T13:49:09","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=5503"},"modified":"2025-04-24T00:19:55","modified_gmt":"2025-04-23T16:19:55","slug":"what-should-employees-do-when-companies-cut-healthcare-benefits","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/what-should-employees-do-when-companies-cut-healthcare-benefits.html","title":{"rendered":"What Employees Can Do If They Lose Healthcare Benefits"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If employees lose their employer-sponsored healthcare benefits, they should reevaluate exactly which benefits remain, how much coverage they and their dependents require, if they need to purchase supplemental insurance, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Have you recently lost the health insurance your employer used to offer you? Do you know you\u2019ll be losing your benefits soon and don\u2019t know what you\u2019re going to do now?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This blog post is perfect for you. We\u2019ll walk you through <\/span><b>11 steps you can take to make sure your health needs are insured<\/b><span style=\"font-weight: 400;\">. We\u2019ll also discuss <\/span><b>11 of the most common strategies <\/b><span style=\"font-weight: 400;\">employers employ to decrease their financial burden from healthcare benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With skyrocketing medical costs, employers are getting more concerned about their insurance budgets. While companies strive to retain top talent and increase employee engagement with the right mix of benefits, we at <\/span><a href=\"https:\/\/www.pacificprime.com\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> have noticed that the pendulum has swung back in recent years for many businesses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This means that companies are cutting back on, instead of enhancing, their employee benefits programs. If this is the reality in your business, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">consult our insurance experts<\/span><\/a><span style=\"font-weight: 400;\"> for personalized advice on what you should do.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><b>11 Tips for Employees: When You Lose Health Insurance<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21017 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/flat-lay-of-laptop-notebook-and-medicine-for-health-planning-concept.webp\" alt=\"Image of Flat Lay Of Laptop, Notebook, And Medicine For Health Planning Concept with text overlay of &quot;11 Tips for Employees&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/flat-lay-of-laptop-notebook-and-medicine-for-health-planning-concept.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/flat-lay-of-laptop-notebook-and-medicine-for-health-planning-concept-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/flat-lay-of-laptop-notebook-and-medicine-for-health-planning-concept-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/flat-lay-of-laptop-notebook-and-medicine-for-health-planning-concept-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/flat-lay-of-laptop-notebook-and-medicine-for-health-planning-concept-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">If your company has cut or drastically reduced your employee healthcare benefits, follow these steps to get back on your feet:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review the New Benefits Package Carefully<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reevaluate Your Healthcare Needs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explore a Spouse\u2019s or Domestic Partner\u2019s Plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maximize Tax-Advantaged Accounts (HSA\/FSA)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consider Supplemental Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Focus on Preventive and Cost-Saving Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand COBRA Continuation Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check the ACA Marketplace for Affordable Plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consider Short-Term or Temporary Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Talk to HR and Advocate if Needed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase Health Insurance for Yourself<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">While having fewer healthcare benefits is certainly not good news for employees, it doesn\u2019t necessarily mean you have to hand in your resignation letter right away. Below are a few suggestions of what you can do next.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 1: Review the New Benefits Package Carefully<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Employees whose company drastically reduces their healthcare benefits should first take time to <\/span><b>thoroughly review the changes<\/b><span style=\"font-weight: 400;\">. This may include increased premiums, higher deductibles, more exclusions, or reduced coverage for dependents.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s important to understand what\u2019s still covered, what\u2019s not, and how these changes affect you and your family before you can make a plan moving forward.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some things you\u2019ll want to check:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New premium costs for you and your dependents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Changes to deductibles, copays, and coinsurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dropped or limited services (such as dental, mental health, or fertility)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In-network provider restrictions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any deadlines or open enrollment dates<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If your company has cut all of your healthcare benefits entirely, then you\u2019ll skip this step and move on to number 2.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 2: Reevaluate Your Healthcare Needs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Employees should take an honest look at their <\/span><b>current health status, frequency of care, and upcoming medical needs<\/b><span style=\"font-weight: 400;\"> to decide if their current plan is still the best option, or if a lower-premium, higher-deductible plan could work better for them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As coverage changes, your care strategies may need to change too, and this can turn into an opportunity to find a health plan that better meets your needs and medical care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some things to consider about how much coverage you need:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you visit doctors regularly or only occasionally?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are you managing chronic conditions or are you on long-term medication?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you have any planned surgeries, therapy, or specialist appointments?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you need better prescription coverage?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you have dependents who need to see the doctor regularly?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you have dependents, such as children, who are more prone to receiving injuries or illnesses that will require medical attention?<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-4' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4629\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Corporate.jpg\" alt=\"Corporate insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 3: Explore a Spouse\u2019s or Domestic Partner\u2019s Plan<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your spouse or partner has access to employer-sponsored coverage, <\/span><b>you may be able to switch to their plan<\/b><span style=\"font-weight: 400;\">. Most employers allow a special enrollment period if you lose or experience significant changes to your coverage. Determine if their plan is sufficient for your needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can do this by:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Asking their HR team about the special enrollment timeline (usually 30\u201360 days)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comparing premiums, coverage levels, and deductibles of your partners\u2019 plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Checking that your doctors and medications are in-network<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Factoring in added costs for spouse\/family coverage<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Step 4: Maximize Tax-Advantaged Accounts (HSA\/FSA)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For employees who are enrolled in a high-deductible health plan (HDHP), a<\/span><a href=\"https:\/\/www.cms.gov\/marketplace\/outreach-and-education\/health-savings-account.pdf\"> <b>Health Savings Account<\/b><span style=\"font-weight: 400;\"> (HSA)<\/span><\/a><span style=\"font-weight: 400;\"> lets you set aside money tax-free for medical expenses. Even if your employer reduces or stops contributing, you can still contribute on your own.<\/span><\/p>\n<p><a href=\"https:\/\/www.healthcare.gov\/have-job-based-coverage\/flexible-spending-accounts\/\"><b>Flexible Spending Accounts<\/b><span style=\"font-weight: 400;\"> (FSAs)<\/span><\/a><span style=\"font-weight: 400;\"> are another option, though they have more restrictions.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 5: Consider Supplemental Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your employer cuts out coverage like dental, vision, or critical illness, you can often purchase individual supplemental policies to fill the gap. These are usually low-cost and can protect you from unexpected expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some examples would be:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental and vision plans from private insurers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Critical illness or accident insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital indemnity plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Life insurance (if also dropped by employer)<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Step 6: Focus on Preventive and Cost-Saving Care<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most health insurance plans under the ACA still cover preventive services for free, even with reduced benefits. Employees who <\/span><b>focus on staying healthy and catching issues early <\/b><span style=\"font-weight: 400;\">can reduce their out-of-pocket costs and cash in for their preventive care benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, using tools like telehealth and prescription savings cards can help. As a rule, try to change your mind to a <\/span><b>cost-saving mindset <\/b><span style=\"font-weight: 400;\">and look for savings deals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some money-saving tips to get you started:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Schedule your annual physical and preventive screenings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use telemedicine for non-urgent issues<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Request generic medications when possible<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare procedure costs across providers before scheduling<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Step 7: Understand COBRA Continuation Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Employees who lose their employer-sponsored health plan completely can<\/span><b> keep the same plan temporarily through COBRA<\/b><span style=\"font-weight: 400;\">, but they\u2019ll pay the full premium plus up to 2% in administrative fees. While expensive, it may be worth it if you need uninterrupted coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This temporary solution can be a lifesaver if you have ongoing treatments, pregnancy, or specialist care while you search for a more long-term solution to your healthcare situation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Here are some things to know about <\/span><a href=\"https:\/\/www.dol.gov\/agencies\/ebsa\/laws-and-regulations\/laws\/cobra\"><span style=\"font-weight: 400;\">COBRA<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have 60 days to elect COBRA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can continue coverage for 18\u201336 months depending on the situation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">COBRA is usually more expensive than Marketplace plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancel anytime if you find a better option<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Step 8: Check the ACA Marketplace for Affordable Plans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Losing job-based insurance triggers a Special Enrollment Period at Healthcare.gov or your state\u2019s health exchange. Depending on your income, you might qualify for premium subsidies, and sometimes even $0 monthly premiums through expanded Medicaid or a silver-tier ACA plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Follow these steps to explore your <\/span><a href=\"https:\/\/www.health-plan-enrollment.com\/v3\/shopobamacare\/?utm_source=google&amp;utm_medium=cpc&amp;utm_campaign=google_Obamacare&amp;utm_campaignid=11140423831&amp;utm_adgroupid=148379454197&amp;utm_keyword=aca%20marketplace&amp;utm_matchtype=p&amp;utm_adid=656085264121&amp;utm_device=c&amp;utm_cid=CjwKCAjw5PK_BhBBEiwAL7GTPXQLl904_9ZiNje_M3twEwTJwosb0kNZrD3o8RExseI1QqivteWk3RoCIP0QAvD_BwE&amp;gad_source=1&amp;gclid=CjwKCAjw5PK_BhBBEiwAL7GTPXQLl904_9ZiNje_M3twEwTJwosb0kNZrD3o8RExseI1QqivteWk3RoCIP0QAvD_BwE\"><span style=\"font-weight: 400;\">ACA<\/span><\/a><span style=\"font-weight: 400;\"> options as a U.S. citizen:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visit <\/span><a href=\"http:\/\/healthcare.gov\"><span style=\"font-weight: 400;\">Healthcare.gov<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare plans with different deductibles and networks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enter your income to see if you qualify for subsidies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enroll within 60 days of losing your employer coverage<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 9: Consider Short-Term or Temporary Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Short-term health insurance <\/span><b>can bridge the gap<\/b><span style=\"font-weight: 400;\"> for employees who don\u2019t have a long-term insurance plan selected yet, but need temporary coverage immediately while you search. These plans are less expensive but come with limited benefits and no coverage for preexisting conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When it makes sense to get a <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term-health-insurance-plans\/\"><span style=\"font-weight: 400;\">short-term health insurance plan<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019re healthy and just need emergency coverage for a few months<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You missed your ACA window and need a quick solution<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You&#8217;re waiting on COBRA but want something cheaper short-term<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019re moving to a new job with a waiting period before benefits<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If this is a good fit for you, check out these <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/temporary-health-insurance.html\"><span style=\"font-weight: 400;\">Temporary Health Insurance Options<\/span><\/a><span style=\"font-weight: 400;\"> and the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-short-term-health-insurance-plans.html\"><span style=\"font-weight: 400;\">Top 10 Short-Term Health Insurance Plans<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 10: Talk to HR and Advocate if Needed<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Changes to benefits can be confusing and sometimes negotiable, HR can explain your options and help you understand what alternatives exist. If the changes are harmful or misaligned with industry norms, a collective response from employees may help prompt reconsideration or new solutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">How to approach speaking up for yourself:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ask HR for a full breakdown of what&#8217;s changed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Request clear documentation and help to understand your next steps<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Share concerns respectfully with leadership or through an employee forum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suggest alternatives like phased cost-sharing, HSA support, or flexible plan options<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Step 11: Purchase Health Insurance for Yourself<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Employees who determine their new health insurance plan is insufficient or who have no healthcare benefits at all anymore may decide <\/span><b>securing their private health insurance plan is the best way to get coverage for their needs.<\/b><span style=\"font-weight: 400;\"> The beauty of self-insurance lies in its <\/span><b>flexibility <\/b><span style=\"font-weight: 400;\">and <\/span><b>autonomy<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You are free to include or exclude any benefit items in or from your insurance plan or ask to impose co-payments on certain benefits. You may even pay a higher premium to increase your coverage limits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You also can <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">compare prices among different insurers<\/span><\/a><span style=\"font-weight: 400;\"> to find the insurance solution that best matches your needs, versus being bound to a company-selected plan and insurer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Consider talking to your broker about a top-up insurance plan, which can combine with your existing company-sponsored insurance to create a holistic insurance solution that is ideal for your needs.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>11 Ways Companies Cut Back Their Healthcare Benefits<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21018 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/coworkers-collaborating-with-tech-devices-in-modern-office-environment.webp\" alt=\"Image of Coworkers Collaborating With Tech Devices In Modern Office Environment with text overlay of &quot;11 Ways Companies Cut Back Their Healthcare Benefits&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/coworkers-collaborating-with-tech-devices-in-modern-office-environment.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/coworkers-collaborating-with-tech-devices-in-modern-office-environment-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/coworkers-collaborating-with-tech-devices-in-modern-office-environment-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/coworkers-collaborating-with-tech-devices-in-modern-office-environment-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/coworkers-collaborating-with-tech-devices-in-modern-office-environment-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Companies may implement any of the following 11 strategies to reduce their employee health insurance benefits and manage their financial obligations:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increasing Employee Cost-Sharing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Switching to Lower-Cost Plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reducing Coverage Levels<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Delaying or Eliminating Employer Contributions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Changing Providers or Plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Offering Only Minimal Coverage (ACA Compliance Only)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Introducing Tiered Benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Promoting Part-Time or Contractor Roles<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Individualizing Healthcare Benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cutting Dependent Benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Workplace Wellness Programs<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">In <\/span><a href=\"https:\/\/www.mercer.com\/en-us\/solutions\/health-and-benefits\/research\/national-survey-of-employer-sponsored-health-plans\/\"><span style=\"font-weight: 400;\">Mercer\u2019s 2024 National Survey of Employer-Sponsored Health <\/span><\/a><span style=\"font-weight: 400;\">Plans, it states that companies are offering more health benefits than ever before. However, up to 86% of surveyed companies have expressed concern about increasing medical costs, and over half of respondents (57%) are seeking cost-containment measures.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This includes the implementation of panel arrangements and cutting back on employee wellness programs. As companies consider reducing their employee health benefits, employees will want to better understand the ways this may affect them.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Increasing Employee Cost-Sharing<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When companies increase employee cost-sharing through higher deductibles and copayments, employees have to shoulder more responsibility for their healthcare costs. This can look like <\/span><b>higher deductibles, premiums, co-pays, or co-insurance<\/b><span style=\"font-weight: 400;\">, depending on what your employer chooses.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High-deductible plans usually have lower premiums, but employees have to foot a larger portion of the medical bills before submitting any claims.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Higher premiums will require the employee to cover a greater portion of the monthly payment, though this paying method usually has a lower <\/span><a href=\"https:\/\/www.pacificprime.com\/plans\/information\/deductibles\/\"><span style=\"font-weight: 400;\">deductible<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Higher co-payments usually come in the form of employees paying higher copays and coinsurance after doctor visits, hospital stays, and certain prescription drugs.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Switching to Lower-Cost Plans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Employers may choose to save money by switching to a lower-cost plan, such as a High-Deductible Health Plan (HDHP), paying for access to only a narrower network of providers, or covering only generic-brand drug coverage. These are a few ways to make a plan less expensive.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Reducing Coverage Levels<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some companies may cut back on comprehensive benefits and reduce their coverage level by <\/span><b>excluding dental, vision, fertility treatment, mental health, or disability coverage,<\/b><span style=\"font-weight: 400;\"> as well as life insurance, from their existing employee benefits program.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They may also cut back in more subtle ways, such as decreasing the number of therapy sessions or specialist visits that are covered. In addition, some companies go even further and cut out outpatient coverage altogether, leaving only the most basic in-patient benefits.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Delaying or Eliminating Employer Contributions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Employers may choose to <\/span><b>stop contributing<\/b><span style=\"font-weight: 400;\"> to employee health insurance accounts, leaving the full bill up to the employee, or they may <\/span><b>reduce the amount <\/b><span style=\"font-weight: 400;\">they contribute. They could also choose to <\/span><b>delay their contributions<\/b><span style=\"font-weight: 400;\"> by limiting them to the following scenarios:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Quarterly Contributions<\/b><span style=\"font-weight: 400;\">: Instead of monthly payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Conditional Contributions<\/b><span style=\"font-weight: 400;\">: Employees will only receive contributions if they participate in wellness programs or health screenings, etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Performance\/ Tenure-Based Delays<\/b><span style=\"font-weight: 400;\">: Only funding HSAs after an employee hits a milestone of 6 months or a year of service.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Changing Providers or Plans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Companies may decide to switch insurers to a lower-cost insurance provider, which might have different policies or narrower coverage. Larger employers could also decide to self-insure to control costs more directly, often accompanied by more cost-containment policies.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Offering Only Minimal Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Taking coverage benefits reduction to the next level, employers may decide to only provide the bare minimum coverage required by the law. They may offer employees a plan t<\/span><b>hat meets only the minimum essential coverage under the Affordable Care Act<\/b><span style=\"font-weight: 400;\"> to avoid penalties.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Introducing Tiered Benefits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Employers may decide to introduce different levels of coverage<\/span><b> based on an employee\u2019s job title or tenure<\/b><span style=\"font-weight: 400;\">. This may mean that while executives get comprehensive plans, newer or part-time employees get only the bare minimum.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Promoting Part-Time or Contractor Roles<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A company may decide to not affect their existing employees, and instead decrease their budget spending by shifting their hiring practices to bring in more part-time workers or independent contractors who aren&#8217;t eligible for healthcare benefits.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Individualizing Healthcare Benefits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Instead of applying a \u2018one-size-fits-all\u2019 insurance plan to all workers, companies can secure individualized insurance plans according to the performance of employees.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a result, staff with better productivity will enjoy more comprehensive benefits, which can serve as an incentive boost for employees and ease the financial burden on companies.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cutting Dependent Benefits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A company might cut dependent benefits <\/span><b>by reducing or eliminating coverage options for spouses, children, or other family members <\/b><span style=\"font-weight: 400;\">under its health plan. This can be done by increasing the cost of premiums for dependents or excluding spouses who have coverage from their employer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Companies can choose to remove certain dependent tiers altogether.\u00a0 Employers might also shift to offering employee-only coverage or make dependent coverage fully employee-paid, framing the change as a necessary cost-containment measure.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Workplace Wellness Programs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Companies can provide financial incentives to employees by lowering their premiums if the employees participate in their company wellness programs. Not only does this protect their employees\u2019 health in the long run, but it will also decrease medical bills that result from poor health and lifestyle.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some wellness programs include:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health Risk Assessments (HRAs)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biometric Screenings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tobacco Cessation Programs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annual Physical Exams<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fitness Challenges or Activity Tracking<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventive Screenings and Vaccinations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stress Management or Mental Health Programs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nutrition or Weight Loss Programs<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What can I do if my employer doesn\u2019t offer health insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your employer doesn\u2019t offer health insurance, you can get coverage through the ACA Marketplace, a spouse\u2019s plan, Medicaid (if eligible), or private insurance. Short-term plans are also an option but offer limited coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can a company reduce my health benefits?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A company can reduce your health benefits, especially during open enrollment or budget changes. They must notify you, but reductions\u2014like higher premiums, limited coverage, or dropped dependents\u2014are legal if applied fairly and in compliance with laws.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What can discrimination look like in employee benefits?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">An example of employee benefits discrimination is offering better health insurance to full-time male employees but not to female employees in the same role. Benefits must be offered fairly and equally to all eligible workers. Discrimination can be based on age, religion, and sexual orientation, etc.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Seek Professional Advice From Pacific Prime<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">No matter whether you are looking for insurance plans for yourself or <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/approach\/\"><span style=\"font-weight: 400;\">your company<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> has you covered. With over 18 years of experience and nine offices around the world, we specialize in a wide variety of insurance products, including employee benefits and group insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our team of specialists knows the ins and outs of different insurance solutions and can fight for the best term and price for you. <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> today for impartial insurance advice, an obligation-free quote, and a plan comparison!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019ll also want to read these articles:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/how-to-design-employee-benefits-plans-2023.html\"><span style=\"font-weight: 400;\">How to Design Employee Benefits Plans in 2024<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/choosing-an-employee-benefits-broker.html\"><span style=\"font-weight: 400;\">Choosing the Best Employee Benefits Broker in 2025<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>If employees lose their employer-sponsored healthcare benefits, they should reevaluate exactly which benefits remain, how much coverage they and their dependents require, if they need to purchase supplemental insurance, and more. Have you recently lost the health insurance your employer used to offer you? Do you know you\u2019ll be losing your benefits soon and don\u2019t &#8230;<\/p>\n","protected":false},"author":42,"featured_media":21016,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1711],"tags":[1910,1745,1911,1736,1544,1949,1951,1950,534,1356,1896],"class_list":["post-5503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employee-benefits","tag-axa-health-insurance","tag-ban_eb","tag-bupa-health-insurance","tag-cta_cor","tag-employee-benefits","tag-family-health-insurance","tag-family-health-plan","tag-family-medical-insurance","tag-insurance","tag-pacific-prime","tag-policy-broking"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Employees Can Do If They Lose Healthcare Benefits<\/title>\n<meta name=\"description\" content=\"If your company is eliminating or reducing your healthcare benefits, you can use short-term insurance temporarily while you go through these steps.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/what-should-employees-do-when-companies-cut-healthcare-benefits.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Employees Can Do If They Lose Healthcare Benefits\" \/>\n<meta property=\"og:description\" content=\"If your company is eliminating or reducing your healthcare benefits, you can use short-term insurance temporarily while you go through these steps.\" \/>\n<meta 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