The No-Cost Strategy Georgia Employers Should Know to Improve Their Benefits Package

As a small to midsize business owner in Georgia, offering a competitive benefits package can feel like walking a financial tightrope. You want to attract and retain top talent, but rising healthcare costs often make that feel out of reach.

What if there was a way to improve your employee benefits—specifically health insurance—without increasing your overhead?

At BIS Benefits, we’ve seen countless Georgia businesses transform their benefits offerings simply by using one overlooked strategy: offering multiple health plans with tiered pricing options.

One Size Doesn’t Fit All: Why Multiple Plans Matter

If you’re only offering a single health insurance plan, you could be unintentionally limiting your employees’ options—and paying more than you need to. According to industry averages, a typical group health insurance plan with a $2,300 deductible costs around $718 per month. Most employers contribute about $580, leaving the employee responsible for approximately $138 per month.

Now, imagine this: what if you offered a second plan alongside your current one—maybe one with a higher deductible, like $6,000? While this plan has less coverage, it also costs significantly less—under $600 per month in many cases.

By maintaining your same contribution of $580, an employee could now opt into the high-deductible plan and only pay $10 per month out of pocket. You haven’t increased your contribution, but your employee just cut their premium by more than 90%.

Why It Works in the Real World

Younger, healthier employees who rarely use their health insurance are often more concerned about what comes out of their paycheck than what's covered in the fine print. For them, the option of a high-deductible, low-premium plan is a no-brainer. On the other hand, employees with chronic health conditions or families may still prefer the richer, more traditional plan.

By giving your team a choice—two or even three plans—you show you value their individual needs. This small shift is often the single most effective way Georgia employers can increase benefits satisfaction without spending more.

And no, it doesn’t mean more admin work for you. A good benefits broker will handle the heavy lifting, using benefits software to simplify enrollment and communication for your staff.

Make Strategy Part of Your Benefits Plan

This approach aligns perfectly with other proactive strategies we recommend for Georgia employers, such as the ones detailed in our post on Steps to Build an Employee Benefits Strategy. Small tweaks—like adjusting plan offerings or leveraging benefits technology—can lead to major cost savings and happier employees.

For a deeper dive into creating a package your employees will love, check out What Employee Benefits do Georgia Workers actually want?, where we explore how personalization and flexibility can elevate your offerings even further.

Ready to Offer Better Benefits in Georgia?

From Atlanta to Alpharetta, employers across the state are rethinking what “affordable” benefits can look like. If you're located in areas like Johns Creek, Decatur, or Sandy Springs, BIS Benefits can help you tailor a strategy that makes sense for your budget and your people.

Explore how Group Health Insurance in Georgia can work smarter—not harder—for your business.

If you’re curious how your benefits stack up or ready to explore a multi-plan strategy, reach out to us. We’d love to help.