America’s health care system has changed dramatically in the past decade. The Affordable Care Act (ACA) turned the industry on its head, and with it created a slew of laws many health insurance recipients still aren’t aware of. And more changes will likely come soon, bringing new regulations employers should be aware of.

Buying health insurance for your company’s group can be complicated. Not understanding coverage options can lead to costly surprise out-of-pocket expenses for your employees. It is therefore imperative that you understand the options and what to look for in a group health insurance plan.

Unfortunately, keeping up to date with the complicated structure of the ACA and other changes in the laws isn’t something the average person or company has time to do. That’s where we can help. At HCI America, we have over 30 years of industry experience, and are well versed in the changing healthcare laws. To give you a general overview of what to expect from your employer health insurance plan, we have put together a Health Insurance Buyer’s Guide for your convenience.