How to provide health insurance to employees?

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How to provide health insurance to employees?

We are a Delaware C Corp and our only 2 employees work in UK and Germany.
How do we ideally cover their health insurance? Do we reimburse them once
they enrolled in a local insurance plan or do we set up a US plan but is it
covering employees if their activities are restricted to the European soil?

thanks for the Answers in advance.

Asked on October 24, 2018 under Insurance Law, Delaware

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

The best way, given that they are overseas and that if you provided the insurance, you'd have to deal with foreign health/insurance regulations and buy a plan that covered treatment in the UK and Germany--something you do NOT want to do--is to just give them reimbursement for out of pocket health costs and/or costs to buy insurance, up to some limit you are comfortable with per year. (E.g $5,000 - $10,000 U.S., comparable to what you'd pay to provide a U.S. employee with insurance.) By providing money, they get the benefit, but you avoid having to deal with foreign laws, regulations, and insurers. If they are UK or German nationals, by the way, they are almost certainly covered under their nations' respective national health care systems and don't really need health insurance through work.


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