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The availability (or the lack) of health insurance is one of the main reasons, besides salary, why employees choose to stay with, or ultimately leave, a company. This topic guide is designed to help you navigate the churning waters of small business health insurance so you can make better decisions for your company and your team of employees.
Health insurance was almost non-existent at one time. In the 1920's, most of the surgery procedures took place in the home not in the hospital. The biggest expense at that time was loss of income. Which created the need for "sickness insurance" later called disability income. Insurance companies didn't see a demand for it at... more »
The issue of health insurance can be a confusing and frustrating one for home-business owners. It may seem as if affording health insurance is an impossibility. However, health insurance is one expense that you really cannot afford to skip. If you are the primary source of income for your family, you must consider the ramifications... more »
Few issues are more divisive than the merits of national health care, and whether America should follow its European cousins' lead in adopting such a system. Also known as single-payer or universal health care, the idea is to ensure that all people--regardless of income or status--gain access to basic care. But comprehensive solutions... more »
Group health insurance for the self-employed is one way to get coverage for your family, and if you're large enough to have employees, attract good employees. While you may think that you have to be large to find affordable coverage for you and your crew, it's available in many different forms at reasonable prices. more »
Finding health insurance is a challenge for many people, but it is especially an issue for those who are self-employed. Because the self-employed lack the option of an employer-sponsored plan, they must look for other solutions. more »
Health care can be expensive for even minor procedures and treatments. To ensure that you and...
While insurance isn't always required in order to run a business, you should consider getting...
Group insurance is any type of insurance plan that allows the costs and risks to be spread...
With the increasing sophistication and quality of health care, there has been a dramatic rise...
If you just quit your job, or were permanently laid off and decided that you'd start your own business, you need health insurance. Sometimes... more »
Small business health insurance covers the medical needs of employees. It is also a great way to provide an additional draw for prospective... more »
Choose the minimum amount of insurance necessary for you and your family if you are just trying to cover unexpected medical costs. There are many... more »
In the 1960s, it was not hard to get 100 percent coverage from health insurance plans at a reasonable rates. Today, despite co-payments,... more »
The size of the company you work for may determine whether you get health insurance and how much you pay for it. Most Americans who work get... more »
If you are shopping around for health insurance, then you are likely going to contact a broker or agent to receive quotes on different plans. The... more »
Dave Donovan is a freelance writer in New Jersey. He's owned his...more
Dave Donovan is a freelance writer in New Jersey. He's owned his own copywriting business for over five years and his how-to articles have been featured in two nationally published books. An expert in SEO content, marketing and promotional copy and running a sustainable small business, it's his goal to help others follow their dream of being their own boss. | hide
Beware of Fraudulent Email Concerning "Failed Banks" on 11/21/2009
On October 27, the FDIC (Federal Deposit Insurance Corp.) issued a warning to small business... more
On October 27, the FDIC (Federal Deposit Insurance Corp.) issued a warning to small business owners regarding a fraudulent email that has been making its way around inboxes. The unsolicited email contains “Check your Bank Deposit Insurance Coverage.” in the subject line.
The email goes on to say, “You have received this message because you are a holder of a FDIC-insured bank account. Recently the FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets.”
The FDIC does shut down financial institutions from time to time, and this email is being spammed in an effort to gain information from small business owners. For a list of banks that have been closed by the FDIC due to failure, visit www.FDIC.gov.
hideObama to U.S. Banks, "Where's the Love?" on 11/21/2009
On October 24, President Obama urged America's banks, especially those that were assisted... more
On October 24, President Obama urged America's banks, especially those that were assisted by the taxpayer bailout, to start opening up their wallets for the nation's small businesses. The need for loosening the purse strings is critical, as the President once again stressed the importance of small businesses in the American economic structure.
President Obama stated that small business is the backbone of America, and that these very same businesses have accounted for two-thirds of the job growth in the United Stated over the last 15 years. Now, they can barely get the credit they need to survive.
"Over the past couple of years, small businesses have lost hundreds of thousands of jobs," he said. "Many have struggled to get the loans they need to finance their inventories and make payroll. Many entrepreneurs cannot get financing to start a small business in the first place."
Just last week, President Obama called on Congress to increase the maximum size of government loans to small businesses and to make more credit available to small community banks.
hideSmall Business and Healthcare Reform on 11/21/2009
In his weekly radio address, President Obama stated that unless his healthcare reform plan is... more
In his weekly radio address, President Obama stated that unless his healthcare reform plan is approved, small businesses could see their health insurance costs increase by at least six percent next year and more than double what they're paying now over the course of the decade. He also stated that as it now stands, small businesses are already paying up to 18 percent more than their larger competitors for employee health coverage. Under his proposed plan, small businesses will not be required to offer health insurance for their employees, but those that do will receive incentive-based tax credits.
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