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→Obamacare Effects on Small Businesses with 50-99 FTE
In summary: "Employers have three ways to reduce the burden of the employer mandate: 1) limit the workforce to fewer than 50 workers; 2) limit the hours worked per week by some employees to fewer than 30 hours; or 3) fail to offer coverage and, thus, pay a $2,000 per (full-time) worker fine. These perverse economic incentives will cause many firms to avoid growing beyond 49 employees." [http://www.ncpa.org/pub/st356 NCPA]
===SHOP Exchange===
"Access to Exchanges for Firms with Fewer Than 100 Employees. The Affordable Care Act contains financial incentives for states to establish health insurance exchanges where qualifying individuals and small businesses can purchase subsidized, individual health insurance. Employers with fewer than 100 employees will be able to purchase coverage in a health insurance exchange rather than buy insurance in the small group market. This so-called SHOP exchange (Small Business Health Options Program) is behind schedule in the 33 states that will not be running their own health exchange. The federal government announced that the rollout of the SHOP exchanges will be delayed until 2015.15 In the SHOP exchanges, however, workers will not be eligible for the subsidies individuals receive when they buy their own insurance. Also, just as insurers selling in the exchange will not be allowed to charge premiums based on health status, neither will small group health insurance policies sold outside the exchange. Thus, there does not appear to be a financial advantage to using the exchange." [http://www.ncpa.org/pub/st356 NCPA]
==Obamacare Effects on Small Businesses with under 50 FTE==
