Your Source for Health Reform

Topic: Small Business



The ACA defines a small business as one with fewer than 50 FTE employees. Small employers, although they are the prime drivers of job creation and economic growth, have faced barriers to providing health insurance for their workers. They can now buy insurance on the SHOP, and may qualify for tax credits to help them provide employee coverage.


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How to Provide Notice to Employees About the Marketplace

Businesses are required to inform their employees about the existence of the health insurance marketplace. This 2014 fact sheet from the Small Business Health Collaborative details steps businesses can take to comply with the law, plus it includes a link to the marketplace notice that businesses can use to inform their employees.

Checklist for Working with an Independent Broker

Details about your company and employees, as well as budget and tax considerations, are all important factors when choosing a small business group plan. The Small Business Health Collaborative created this checklist in 2014 to help small business owners prepare to meet with a broker to purchase employee health insurance through the SHOP.

Small Business Survey on ACA Health Insurance Options

This report offers strategies to increase the number of small business employees enrolled in health insurance. The suggestions are based on results of a fall 2014 survey of small business owners designed to gain a better understanding of how, if at all, they are offering health insurance to their employees; what are their views of the Affordable Care Act; and what health insurance information would be useful to them. The report was the result of a collaboration by Health & Disability Advocates and Crain’s Chicago Business.

Employee Choice in Illinois

The ACA requires state exchanges of the Small Business Health Options Program to offer an employee choice model which allows an employee to select from among different plans and carriers in a plan tier determined by the employer; and it allow some other models to be offered as well. This May 2012 report by the Wakely Consulting Group for the state Department of Insurance explains in detail the considerations involved in structuring the various models. The employee choice element of Illinois’ SHOP has been delayed until 2016.

ACA Provisions for Small Businesses

This roundup from the Small Business Administration details key provisions of the Affordable Care Act for employers with fewer than 25 employees, with links to essential FAQs, fact sheets, temporary guidance documents, and final rulings, published in the Federal Register. Topics covered include the SHOP, Small Business Tax Credit, employer notices to employees, medical loss ratio rebates, and other aspects of ACA implementation.

Need to Know ACA Info For Small Business

From the ACA definition of small employer to financial assistance on the SHOP, this June 2014 article from the Healthcare Trends institute outlines information critical to making an informed choice regarding employee health benefits.

ACA Impact on Asian American Small Business

This issue brief from Shriver Center on Poverty Law and the Asian American Health Coalition details demographics of Asian American small business, coverage options and challenges for Asian American businesses under the ACA, and recommendations on how to enroll this population.

Healthcare Tax Credit for Small Businesses

This fact sheet from the IRS details information for small business owners regarding the tax credit available under the ACA to help to pay for employee premiums. Eligibility and the benefits of the tax credit are discussed.

The ACA and Worksite Wellness

This June 2011 fact sheet, provided by the Public Health Law Center at the William Mitchell College of Law, answers some common questions regardin the ACA’s impact on worksite wellness programs, including the effect on existing laws, new funding, and provisions for evaluation of wellness programs.

Small Business ACA Training Materials

The Small Business Administration compiled a list of useful ACA training materials specifically geared towards small businesses. It includes multiple fact sheets on strengthening health care for small businesses and an audio file of an informational webinar on ACA basics.

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