Yes, you can do exactly as you describe. I'll make that more clear on our website.
Will this be deducted from their paycheck or from my account? Where will that money come from if I deduct from their check? Do you integrate with Gusto?
I'm just not at all clear on the logistics of how the money moves from my company to their health insurance company and what the steps in between are, especially since they already have post-tax personal health plans.
To answer your question: The premiums will be deducted from your account, and any extra employee contribution would be deducted, tax-free, from the employees paycheck. We integrate with Gusto to set this up for you.
I am happy to walk you through the specifics: kev@gosavvy.com
Why not offer a free month. The lockin is automatic once they go through the process of setting things up.
The reason right now is that we work with outside experts to draft and review the legal plan documents for every customer that signs up. Because this is such a new thing we think it's worth spending extra to be sure we are buttoned up from a compliance standpoint. This has an upfront cost we need to cover. Once we bring this in-house we can think about the pricing differently.