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→Healthcare's impact on business
*Businesses who offer money to buy individual plans vs covering group plans often fare better
*Alternatively, employers set up health reimbursement accounts (HRA). The advantage of an HRA over a health savings account (HSA) is that the plan can be structured so that if an employee does not use the money in an HRA, the money will still belong to the company.
====Direct primary care====
*Direct primary care works by charging users a monthly fee for unrestricted access to their doctor, instead of billing patients' insurance
*'''"Direct primary care, coupled with a high-deductible health insurance plan, can oftentimes be an outstanding and relatively affordable solution for entrepreneurs and small business."'''
*Can often save 12 percent to 15 percent over what a firm would spend for traditional health insurance.
====Workplace health programs====
Information from this section taken from [http://www.cdc.gov/workplacehealthpromotion/businesscase/benefits/costs.html (CDC)]
*CDC defines "workplace health programs" as a coordinated and comprehensive set of strategies which include programs, policies, benefits, environmental supports, and links to the surrounding community designed to meet the health and safety needs of all employees.
*Keeps healthy employees in the “low-risk” category by promoting health maintenance, while also targeting those unhealthy employees in the higher-risk categories, therefore lowering overall health insurance costs.
*A systematic review of 56 published studies of worksite health programs showed that well-implemented workplace health programs can lead to 25% savings each on absenteeism, health care costs, and workers’ compensation and disability management claims costs.
==Changing nature of raising capital==
