HEALTH CARE REFORM AND YOUR BUSINESS

· As the Patient Protection Affordable Care Act (PPACA) changes the health care landscape it is going to present decisions for businesses of all sizes regardless of whether the business is required to accept certain responsibilities by law or not.

· This planning tool is designed to help you sort through the decision making process.  While there are many pieces to the puzzle still missing, one particularly critical piece of information is not available yet. Until we know how various insurance products are priced in or outside of what are known as the “exchanges” (don’t worry we will provide more information about exchanges), it will be difficult to draw conclusions for an action plan. We will not know these price points until 2014 when the exchanges are up and running.  Until then, you can make some educated guesses based on the current costs of providing health care benefits, either from your own experience or from widely available resources.  The second piece of information not in your hands, is how many of your employees may be eligible for premium assistance  (Again, we will provide more details on this, inside), but knowing those numbers, or at least being able to make a reasonable estimate, will be helpful as you contemplate your options.  Having said all that, we will give you some questions, observations, concerns that you can use as you plan for your business' s health care future.

· To facilitate this decision making process, we have divided the business universe into seven sectors: The self-employed who do not have any employees have their own unique considerations. Those in the "self-employed with no employees" category can proceed directly to your page now.

· We have divided up the rest of the business community by two preliminary questions presented on the next page.

· All information, materials, and processes contained on this site are protected by United States intellectual property right laws and may not be copied, reproduced, distributed, transmitted, displayed or exploited in any other way.

· We are not providing legal, tax, accounting or benefit advice. This is for informational purposes only. We make no representations or warranties about its accuracy. Please consult with a qualified professional for appropriate advice.  Also do not assume that any content is meant to convey an opinion for or against health care reform or whether a business should or should not provide health care benefits to employees.

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