The Small Business Health Economy: The Current State of Small Business Healthcare.

60 million people working in the private sector work for themselves or for businesses with fewer than 100 employees.Small businesses create 75% of net new jobs.Only 78% of firms with 10-24 employees offer healthcare coverage.22.3 million people who work for small businesses or are self-employed are uninsured. This makes up ½ of all uninsured Americans.Small businesses often pay more for administrative costs on healthcare plans for employees, and don’t get the same discounts and subsidies as larger firms.

Since 1999, the average cost of employee health insurance premiums (for family coverage) has risen 84% in inflation-adjusted terms and 148% percent in nominal terms.The cost of employee health insurance has increased to 7.7% of total worker compensation, making it difficult for small businesses to afford.

Group Health Policies are temporary. You can lose your health insurance if you or your loved one gets sick, or if you lose your job.

Individual Health Policies are portable. You keep your health insurance policy no matter where you are or who you work for.

Group Health Policies are overpriced. The average cost for family coverage on a group policy is $16,000 per year and has increased by 182% in the last 15 years.

Individual Health Policies are affordable. They are 20-60% less expensive than Group Health Policies.

Group Health Policies are risky. You lose coverage if your employer switches to a new health insurance company, fails to meet an insurance company’s requirements, or goes out of business.

Individual Health Policies are safe. Your policy can’t be cancelled so long as you pay your monthly premium.

Group Health Policies are limited. You have 0 choice in choosing your healthcare providers.

Individual Health Policies offer choice. You get to pick your doctors and hospitals for your family’s needs.

Group Health Policies are one-size-fits-all. You cannot choose your deducible, copays, or coinsurance based on your family’s specific needs.

Individual Health Policies are customizable. You get to select your deductible and copays.

Group Health Policies are unfair. You are immediately disqualified from receiving $2,000 to $12,000 per year of the trillion-dollar federal subsidy.

Individual Health Policies are subsidized. You could qualify for $2,000 to $12,000 per year of a trillion-dollar federal subsidy.

Group Health Policies are unstable. Your health insurance premium can double depending on the outcome of just one employee’s insurance claims.

Individual Health Policies are stable. Your after-subsidy cost only increases as your income grows.

Group Health Policies are bad for your career. Dependence on group policies limit job mobility and stifle individual career potential.

Individual Health Policies are good for careers. You have the freedom to do what’s best for your career instead of what’s best for healthcare.

Group Health Policies are bad for your business. Group policies require management to spend valuable time sorting out health insurance instead of focusing on their core competencies.

Individual Health Policies are good for business. Company executives and managers can focus on what they do best: delivering high-quality services and products to customers.

Group Health Policies are bad for America. Because of group health insurance policies, Americans spend 2-3 times per person what other developed nations spend on healthcare.

Individual Health Policies are good for America. They allow American businesses and employees to manage their own healthcare.

How it works: 1. Employer sets monthly healthcare allowance.2. Employees pay their own health plan with their own

money.3. ZaneHealth reimburses employees for their health

plan up to the employer healthcare allowance.

Why it works:1. More manageable for employers and employees.2. Employee choice in healthcare.3. Lower costs.4. Easily Transferable.

Zane Benefiits: http://www.zanebenefits.com/