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Small business health insurance is getting more expensive every year. A popular and effective way to avoid these costs is to cancel group coverage and reimburse employees for individual health care expenses instead.

Many employers want to offer great benefits to employees, but which ones do employees love most?

Here is a list of the top five types of benefits employers can offer to employees - each can be a valuable tool for recruiting and retaining employees.

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A common question among employees is does my employer have to provide health insurance? The answer? Not necessarily. The health care reform law, called the Affordable Care Act (ACA), requires certain employers to purchase health insurance or else pay a tax penalty.

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(00:15) The new year has come and passed, and that signals the return of the annual usage report for the qualified small employer health reimbursement arrangement (QSEHRA). Every year, PeopleKeep gathers data which represents how its customers are using the health benefit, and summarizes it all in a visual report.

Health Reimbursement Arrangements (HRAs) are federally regulated, employer-sponsored health benefit plans that allow participants to receive reimbursement for eligible out-of-pocket health-care expenses (including certain health insurance premiums). Reimbursements for eligible medical expenses made via an HRA are 100 percent employer funded, and are generally excluded from federal, state, and Social Security taxes.