In March 2010, the battle around the health care reform is raging. It clearly has an impact on business but what is it? This presentation attempts to look at some of these impacts in a graphical manner.
2010 U.S. HealthCare Bill
Small Business Impacts
View of its
Impact on An Initial Perspective
By Chris Muccio –
Forget arguing for a moment…
It’s not about being for or against
healthcare but trying to understand
what it really means to the small
"When you're already overwhelmed with change and hear
there's one more coming, you say to yourself that you'll
deal with it tomorrow,“ Jerry Jellison, a small-business consultant
who specializes in implementing change (USA Today)
Let’s look at it today!
To be Fair - analyzing the long-term impact of the bill is
more difficult than it may at first appear… given,
• the sheer size of this legislation,
• the number of constituents it affects and
• the authority it leaves to regulators,
There are many elements to the Healthcare Bill.
The graphic on the next page provides an
initial overview to how it can impact certain
High Level View - Healthcare Impact on Business
Today Jan. 1, 2014 Avg. Cost Today Cost Containment Need
$4,824* Single Insurance premiums have
$13,375* Family increased 128%* since 2009
Required - Offer affordable insurance
For Employers with 50 Penalty Does it Make Sense…
or more employees $750 per employee …to pay the insurance or take
May be raised by Senate the penalty & pay SHOP?
Can receive Additional cost either for
tax credits penalty or for premium – will
depending on predicted benefits offset this?
the size of
business Not Required - Offer affordable insurance
For Employers with less than 50 employees State Run
NOTE: Part timers included in the count
Not offered Non Insured Employee – purchase from Insurance
Impact on Growth
Avg. Cost Today Will small business refuse to
$4,824* Single hire more than 50 employees?
Tax Credit Will employees want to work
Available to certain for “small employer” w/out
sized businesses insurance?
Source * - Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009.
Written by a business leader for