An Insurance Upsurge for Small Businesses is on the Way:Thanks to Health Care!

An Insurance Upsurge for Small Businesses is on the Way:Thanks to Health Care!


The recent global economic crisis between 2007 and 2009 Great_Recession resulted to the greatest economic recession in the history of America especially since after the 2nd world war. This affected Americans badly, resulting to massive lay off of workers,increase in unemployment rates, loss of homes and low cost of houses and properties, less business investment and job opportunities and other untold-of hardships. There is no single family that is not affected in one way or the other.

Then, there came cries and moans for a rescue!

Who will rescue Americans from “the hands of Pharaoh” and lead the citizens to the “Promised Land?” The struggle to rise above the economic downturn is definitely an uphill one and till date the economy is still struggling to survive.

It is in an effort to find ways to deal with the situation that the Affordable Health Care Plan(ACP) which was meant to give small businesses tax relief to be able to provide affordable health insurance to their employees, Obamacare was introduced. The Obamacare health plan hopes to mitigate the impact of the recession on small businesses as well as offer tax credits to businesses with fewer numbers of employees to be able to cater for their employees health insurance.

Now, let’s see below arguments and explanations to show how the health reform will lead to insurance upsurge:

1. Obamacare: A succor and relief for the pricey and costly health Insurance Premiums

Owing to the economic recession, businesses that were able to pay for their employees health care cost previously could no longer meet up due to the high cost of insurance premium. This also led to layoff of workers, workers not getting appropriate and affordable health care cover resulting to individual and families having no or disproportionate health insurance cover.

Mike Brey, shares how his business and employees have been affected by the recession and the high insurance premium as well as how he hopes the Obamacare would put an end to it.

“While my business has been successful and we’ve been able to grow, the ability to keep my workers happy and secure by providing health insurance coverage has eroded.”

“My workers are burdened by high deductibles and are putting off preventive care for themselves and their children and avoiding the doctor,” he said. Heath reform “was the first thing in years that gave me hope that this spiral of escalating costs and depreciating quality of coverage might finally end.”

Arise all you disconsolate Americans, wipe away your tears!  You can now smile again, a balm to soothe your wounded hearts have finally been discovered! The Obamacare is a good introduction that will wipe away the tears from the eyes of many Americans especially small businesses, their employees and their dependants who have not been able to get health insurance as a result of the effect of the recession and high insurance premium.

ObamaCare helps most small businesses. The fact is small business owners have historically had a much harder time providing themselves and their employees with insurance due to rising health insurance costs, while bigger businesses remain largely unaffected. This problem has only gotten more severe in the past decade. Today almost half of America’s uninsured are small business owners, employees or their dependents.

Since ObamaCare provides small businesses with affordable insurance options and cost assistance, via the SHOP exchange (explained below), it’s safe to say most small businesses will not be hurt by ObamaCare, but will in fact benefit.”

2. Small business owners and their employees now heave a sigh of relief through the affordable health care plan provision of the Obamacare!

Even though some critics of Obamacare argue that Obamacare hurts small businesses, and limits business expansion, it offers much more help to small businesses and their employees than harm. Though it is true that the Obamacare means more cost for a number of bigger small businesses and their employees through the new taxes and the directive to purchase insurance for full-time employers, this may lead to cutting off of employees working hours, the extra production cost incurred being transferred to consumers and investors, less hiring and more production cost for bigger businesses. The number of small businesses that may be affected is minimal compared to those that the program will benefit. See quotes below and details on the article written by Dinah Wisenberg Brin on Obamacare at.

“Some small-business groups have vocally supported the ACA and are trying to shape its implementation, as they expect it to significantly help both companies and employees.

Small-business supporters of the healthcare law, consider the ACA a lifeline.”

“Frank Knapp Jr., president and CEO of the South Carolina Small Business Chamber of Commerce, noted that when he co-founded the organization in 2000, “small businesses were begging for more affordable health insurance and health care.”

“The Affordable Care Act “was the compromise solution to the demands of businesses to get health insurance and healthcare costs under control.”

The new health care law through the Obamacare would provide relief and succor to millions of American adult as well as children since Obamacare demands that all children below the age of 18 be insured.

3. The impact of the Affordable Health Care on the insurance cover subscription and the entire nation at large?

Obamacare would exclude small businesses with less than 50 full time employees from the requirement of paying for their employee’s health plan.  It would also offer  health tax credit to small businesses that pay for their employee’s health plan to minimize their cost. Obamacare will also handle the high cost of insurance; make it affordable for all Americans. This means that adults who are previously uninsured as well as children who are under 18 will be insured through the new health plan.

The new healthcare law has resulted to greater number of small businesses offering health care benefits to their workers even before the 2014 scheduled for total implementation of the plan. That wouldn’t happen if it wasn’t of any benefit to them especially as they are currently not under duress to implement it. According to Forbes,

The major health insurance companies around the country are reporting a significant increase in small businesses offering health care benefits to their employees. Why?

Because the tax cut created in the new health care reform law providing small businesses with an incentive to give health benefits to employees is working.

We certainly did not expect to see this in this economy,” said Gary Claxton, who oversees an annual survey of employer health plans for the nonprofit Kaiser Family Foundation. “It’s surprising. Via Los Angeles Times

There is no doubt that Americans stand to gain and not lose through the health reform. Small businesses, low income and middle income families will highly befit from the plan as well as their children and dependants together with all the children under the age of 18. Small businesses are also offered extra flexibility under the Obamacare. When it fully takes effect, workers will be able to make choice of health care plan to use which will drastically reduce health care cost and reduce insurance cost drastically through market competition.

Even though the proposed affordable health care is aimed to help Americans, it has been looked with suspicion by some group and is even being repealed by another group who think that it may threaten the survival, expansion and existence of small businesses. On the contrary, fans of Obamacare are already implementing the plan even prior to the deadline, are concerned about and are even resisting the proposed delay of the plan by 1 year.

Do you think that Obamacare and affordable healthcare act will benefit Americans and small businesses?

The recent reform proposal for affordable healthcare care has met varying views of Americans. Though there are groups that want the law to be repealed.

Obama actually means well for Americans.  We can see these through the group that want to uphold the new plan and is disappointed by the new and recent postponement by one year as discussed above. There is no doubt that bigger businesses may have to incur higher costs but the Obamacare is more focused to help low and middle income earners and seeks to address the high degree of income inequality between the wealthy and poor Americans.

Small businesses and the poor masses stand to gain and not lose through Obamacare in my opinion. Do you think that you will benefit from the ACP Personally? If you are an entrepreneur, do you plan to pay for your workers’ premium or would you rather pay the fine? What is your own personal view regarding the proposal?

Published by valentine belonwu


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