A significant cost is definitely a disadvantage for the organization, especially for small organizations. The fewer employees you have, the lower the purchasing power of the organization compared to an organization that has many employees. The next disadvantage of offering health insurance to employees is that each employee will have different needs, meaning that the organization will need to make sure to choose a variety of plans so that all employees' needs are met. Offering benefits can create concerns about legal compliance, which can cost the organization legal fees. Finally, any legal compliance of possible errors can open the door to lawsuits or fines. #1, bThere are many types of coverage available to your organization. We can choose between Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Point of Service Plan (POS), and Indemnity Plan. The plan I think we should choose from is the Preferred Provider Organization (PPO), that way each employee and owner can stay with their own healthcare provider. This plan provides some flexibility compared to HMOs (Buchbinder S. B., 2012).#1,