Skyrocketing healthcare costs and ever-changing laws spur the complexity of employer insurance programs. Many companies modify their health benefits every year, changing coverage to control costs and to comply with laws. Employers need to be aware of the numerous coverage and benefit requirements related to healthcare insurance. There are many laws involved in such requirements, and, because of the growing complexity and the increasing frequency with which Congress adds to these laws, you should establish a system for monitoring laws and the manner in which they affect your benefit policies. Use the Insurance policy template to create a policy that fits the needs of your organization.