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Arizona small businesses are feeling the core issue of the current economy and our national health crisis. Many employers are not able to help their employees with a company health plan because of high costs. This creates its own economic crisis, because without viable service package, recruiting and retaining staff is a problem. How can a small company benefits package on a shoe-string budget?

Recent changes in Arizona law have the opportunity for small entrepreneurs, a full blown performance package for its employees, without a financial contribution.

The problem with the group coverage is that it is very expensive or even unaffordable for the average small business. You want to help their employees, but they can keep their doors open and provide for their employees' health care needs at the same time? The answer seems to be not more than 40 percent of residents whose employers Arizona there is no health plan.

Another major problem with the traditional group health insurance portability. Since group are not portable when an employee from a company they can not plan with them. You can rely on COBRA to go, but if they are for anyone who has the misfortune of adoption of this coverage is very expensive, and ends in just 18 months.

In addition, they administered a traditional group health insurance plan is time for the small entrepreneur. Not only they have the burden of their portion of the premium, it must be his own benefit coordinator or an additional cost, hire an HR person.

The answer to these and many other problems is voluntary insurance benefits.

Voluntary benefits are a total paradigm shift in the personnel policy equation. Total voluntary benefits package stresses the financial and management burden of the employer.

All owners must be done to payroll deduction of insurance premium per month of employees and contractors with a consolidated payment to the insurance company.

The employee still has the benefit of the reporting and the advantage of payroll deduction. The insurance agent is the benefits coordinator and supports both workers and employers with their health benefit needs.

It is a solution for small businesses that can not be of benefit to their employees because the costs are prohibitive.

Paul specializes in affordable Arizona Health & Life insurance for his Arizona clients since 1991. For further information, please visit my blog at http://azhealthnow.blogspot.com