Certified Payroll Professional Practice Exam 2025 – Your All-in-One Guide to Exam Success

Employers can provide employees with health insurance benefits primarily through group health insurance plans, which are typically included as part of an employee benefits package. Group health insurance allows employers to offer comprehensive coverage to employees at a lower overall cost due to the pooling of risk among a larger group. This not only makes it more affordable for both the employer and employees, but it also often results in better coverage options compared to individual plans.

While individual health plans can be offered, they don't benefit from the same cost-sharing structures and risk pools that group plans do, making them less common as a primary method for employers to provide health insurance. Health savings accounts are valuable financial tools for managing healthcare expenses but do not constitute health insurance on their own. Lastly, requiring employees to buy their own insurance does not fulfill the employer's role in providing health insurance benefits and could lead to compliance issues depending on the applicable laws and regulations. Thus, group health insurance plans effectively fulfill the employer's responsibility to offer health insurance benefits to their employees.