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→Options for small businesses with fewer than 50 FTE that still choose to provide health care
===Options for small businesses with fewer than 50 FTE that still choose to provide health care===
Health care is not a mandatory service for small businesses with fewer than 50 FTE, but many small businesses still provide health insurance to their employees. These companies, along with large companies, are seeing steeper premium prices on their insurance due to the ACA stipulation that health care companies cannot deny or charge coverage based on an individual's health or risk factors, pre-existing conditions, or sex. However, options to compensate with the increased (while also non-mandatory) cost of providing health care, the most obvious of which are opting out or and increasing employee employees' contribution, include:
*participating in the SHOP Exchange
*negotiating on private insurance plansplan prices
*converting their employee group plans into individual employer-sponsored plans, such as Health Savings Accounts or Health Reimbursement Accounts (HSA’s and HRA’s)
*switching to direct primary care
