The Old Way Example Costs Incurred: The New Way Example Costs Incurred:

Employer & broker spend a lot of time shopping plans and conducting enrollment.

Weeks of time Employer partners with Everwell Advisor.

Saves valuable time & efforts

Employer subsidizes 50% or more and payroll deducts.

$1,000/month premium Employer cost $500

Employer creates defined contribution.

Employer Cost: $500

Employee pays remaining premiums for self & family.

Employee Cost: $500 Everwell Advisors work with each employee to build a customized benefits package.

Potential: $500 Subsidy

Employee pays for voluntary insurance.

Employee Cost: $100 Employee works with advisor to select benefits with defined contribution.

Employee Cost: $500With defined contribution,

the employer is able to avoid year-over-year cost increases.

Example:

Employee spends $600 to get $1,100 in benefits. Employer spends $500 and consumes valuable time.

Example:

Better educated and with more tailored benefits, the employee spends $0-500 and gets $1,500 in valuable benefits. Employer spends $500, saves valuable time and avoids year-over-year cost increases by capping their contribution.

Weighing the Cost of HealthcareHealth Care Yesterday

Administering employee benefits required small business

owners to spend a significant amount of time reviewing

quotes and trying to manage rising premiums while

maintaining sustainable benefits.

Health Care Today

Today, with our Everwell Advisors and an easy to use benefit

administration system, we educate your employees on their

responsibilities under health care reform and help them

create a comprehensive benefits package that fits their

individual lifestyle and needs.

Co

st

Valu

eEverwell is the perfect benefits solution for small business owners who believe that doing right by your people will help you do right by your bottom line.

Z160095 2/16

Co

st

Valu

e

This material is intended to provide general information about an evolving topic and does not constitute legal, tax or accounting advice regarding any specific situation. Aflac cannot anticipate all the facts that a particular employer or individual will have to consider in their benefits decision-making process. We strongly encourage readers to discuss their HCR situations with their advisors to determine the actions they need to take or to visit healthcare.gov (which may also be contacted at 1-800-318-2596) for additional information.