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Health care costs continue to rise, which creates a tough dilemma amongst business owners across the world. As health care costs rise, premiums rise as well. This increases costs for businesses owners and they must decide whether to pass the increases onto employees or to absorb the increase. In today�s volatile economic scheme, business owners may hesitate to immediately absorb increases to health care premiums. On the other hand, employees can hardly afford less take home pay either. A business owner can offset increases in premiums by offering to equally distribute the increase between themselves and the employee. When this is done on a yearly basis, it has a minimal impact on the employee.

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