It was decided to monitor the premiums offered by insurance companies and moderate them so that every citizen can access services. Exchanges have been set up for people who cannot access health insurance from employers. When choosing insurance plans for employees, the employer must ensure that employees can afford the premiums and must also ensure that the plan includes the medical services most important to the employer. There are many benefits to purchasing employee health insurance. The first is that it helps an organization recruit the best employees and retain them (Editors of Salem Press, 2014). There are several benefits that an employee gets when the company pays for medical expenses. This makes the company more attractive to other potential employees and therefore allows the company to hire the best and retain those already employed. When employees are offered insurance, they tend to be happier and more comfortable at work and therefore create good work