group health insurance for small business owners
May this work for small business owners?
As a small business owner with one part-time employee, I think I have good suggestion. Do you like this idea of a AnSWR Is not it simple enough so the government keeps saying it's a hard question? Why not allow Government at all small business owners (say that companies that do less tha $ 250,000 per year) to join a national group of owners of small companies for health insurance coverage? By joining a national group, is to distribute risk among a large group and thus maintain low costs of coverage. I know there health insurance coverage through the Chamber of Commerce but is not very cheap. My friends who work for other companies only have to pay anything close to $ 100 per month for coverage. Why entrepreneurs do not have similar premiums reduced cost?
The cost of health insurance is a direct cause of the laws in which you identify. You can check on the Internet for health insurance costs in your state. Large companies are self insured, to pay a little less in premiums and offset some of their own rules about what they will cover. You hear about this on the news. Your friend in the large company is paying only a small percentage of the total cost of insurance. This is done to offset the total cost of insurance, and to remind employees of the value of health insurance. Some states allow small companies to join. What has happened in the past in groups of "patients" tend to remain in these groups while the healthy groups to join other companies, making firms that have collected premiums higher and implode upon themselves. One idea that has to launch is that the population groups have been combined and the insurance companies bid on the groups to help reduce exposure and insurance companies offer lower prices to people. Unfortunately nothing has come of this idea. Greetings and good luck!
Small Business Owners Confront Health Insurance Trade Group – Chicago
