Health Insurance – Quick Start Guides from Web MD and

A major obstacle to starting a home business is health insurance.  If possible to find, the cost was very high.

The Affordable Care Act removes this barrier from individual coverage and for home business or small businesses.  The Health Insurance Marketplace starts on Oct 1, 2013.  Each state will have either its own Health Marketplace or use

Individuals have a choice of four health plan levels: bronze, silver, gold, and platinum.  All plans have a monthly premium – bronze is the lowest level.  In general, when choosing your health plan, keep this in mind: the lower the premium, the higher the out-of-pocket costs when you need care; the higher the premium, the lower the out-of-pocket costs when you need care.

If you are self employed or need individual coverage,  WebMD has a Quick Start Guide that explains many answers for individuals.

If you are a small business, the Federal Government has a website – –  to answer questions.

Health Insurance

What is Considered a Small Business?

If you have 50 or fewer full-time equivalent (FTE) employees you’re considered a small business under the health care law.

As a small business, you may get employee insurance through the SHOP Marketplace. This applies to non-profit organizations too.

If you have fewer than 25 employees, you may qualify for the Small Business Tax Credit. Non-profit organizations can get a smaller tax credit.

Beginning in 2016, the Small Business Health Options Programs (SHOP) will be open to employers with 100 or fewer FTEs.

If you’re self-employed and have no employees, you can buy insurance through the individual Health Insurance Marketplace. You would not use the SHOP.

If you have more than 50 employees

Many important parts of the health care law apply to businesses with more than 50 FTEs. Under the health care law, these are considered “large businesses.”

Find out how the health care law could affect you if you’re considered a large business.

Have questions about the SHOP Marketplace for businesses with 50 or fewer employees? Call 1-800-706-7893 (TTY users: 1-800-706-7915). Hours: Monday through Friday, 9 a.m. to 5 p.m. EST. Agents and brokers may also use this number.

Small business information above is from:



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