When considering various plans, an important issue to consider is how important a choice of providers is to you and your employees. Employees who have established relationships with doctors may not want to be forced to choose a new one. This is particularly true for older people and families.
Health plans can vary a great deal in exactly which providers, hospitals and medical groups are available to plan participants. Decide early on how important this issue is to you.
Keep in mind that purchasing alliances offer plans that allow employees to choose from multiple provider networks. In this way, a purchasing alliance may help a small group obtain coverage with access to the providers that most, if not all, participants want.