Young Woman Working at Home, Small Office

Business Owners

  • The passage of the Affordable Care Act (ACA) has caused a shift in premium costs. Individuals with subsidies do not feel the real costs, because their insurance premiums are paid for with taxpayer’s dollars.
  • Small business owners have a realized a 2-3 fold increase in their premiums.   They are having difficulty finding affordable benefit options for their full time employees.  Many are forced to put some employees on a part-time basis, without benefits.
  • Large companies write off premium increases as ‘the cost of doing business.’

What are the health care options for my business?

When you started your business, you probably never expected to have to become a benefits specialist.  Like many business owners, you are probably frustrated with the increasing costs and confusion regarding health care.  You may feel like throwing your hands in the air and crying, ‘I quit!’  However, if quitting is not an option, what are you supposed to do?

Small businesses are the main stability of an economy.  The strength of the Northwest was the boom of cottage industries that came out of a period of economic challenges.  We may be approaching a similar setting where the economic heat burns off the nonessential in order to sustain the more important fundamental aspects of a business.

Purchasing Insurance Through Health Exchanges
Benefit Options for Retaining Employees
Operating as a Non-Profit Organization