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Employees usually rank company health insurance as the most important of all their benefits. U.S. businesses spend hundreds of billions of dollars on company health insurance every year.

The three most popular types of company health insurance plans offered to employees today are HMOs, PPOs, and point of service plans (POSs). The last few years have seen many changes – traditional indemnity health plans have almost vanished entirely, and new consumer-driven health plans are starting to take hold. Some businesses offer only option, while others – particularly those with a large, diverse group of employees – offer two or more.

Which type of health insurance plan is best for your company? There is no easy answer. Premiums change every year, your employee base may change considerably, and state and federal rules can affect costs and coverage in unpredictable ways. Many companies make it a point to reevaluate their company health insurance options every year. Because it is one of the most important benefits to your employees and a huge expense for your business, it is worth taking the time to make sure you make the right choice.