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Martin Said:

Do small business owners complaining about the high costs of health care just need to shut up and work harder?

We Answered:

Well according to conservatives, yes. If they can't afford health care, they're clearly not working hard enough.

Crystal Said:

What kind of affordable health insurance plan is there for small business owners?

We Answered:

One of the best options to consider are health savings accounts. They combine a high-deductible health plan (HDHP) with a cash savings account which is investible in almost any kind of investment.
You use the cash (which is put in, builds and spent tax free so long as it is on medical expenses) to pay off your medical expenses until you hit the deductible and then the health plan pays, except that routine care like doctor visits, etc. are covered first dollar by the health plan.

As a small business there are tax advantages to the business for doing this and as an employee you get tax advantages and the ability to use the cash for whatever you want (up to 65 as long as you pay the tax when you take it out....after 65 it is like an IRA where you pay your post retirement tax bracket rate on withdrawls).

You have to be diligent about funding the cash portion, but treat that part like an IRA account that you plan to build up and use for retirement.

Marjorie Said:

Are small business owners required to prodive health insurance to their employees?

We Answered:

No.