Discuss two (2) advantages and two (2) disadvantages of purchasing health insurance for your employees, instead of having them receive government insurance. Starting in 2014, small businesses with up to 100 employees will be able to purchase group coverage through the state's Small Business Health Options Program (SHOP) exchanges. The hope is that these exchanges will allow small employers to concentrate their resources and risk factors in larger groups and thus qualify for less expensive insurance rates (eHealthInsurance). The top two benefits of purchasing employee health insurance are that it offers group health insurance and the ability to bring several companies together, which will make the cost of purchasing employee health insurance much easier. 'agency. The disadvantages of purchasing health insurance for employees are that small businesses with more than 25 employees will not receive any tax credits due to the Affordable Care Act and people who do not obtain insurance through their companies they will be required to purchase health insurance on their own. In summary, if we allowed our employees to receive government insurance, the cost of group insurance would increase, which will impact what we can offer in terms of salary and benefits. As a result, it is in the employer's best interest to find an appropriate and cost-effective plan that meets the needs of both employers