Lessons for Small Business: Incentive Health Care and Risk Rating Practices
Abstract
As the health care system reform debate continues, the central challenge of bringing nearly 38 million uninsured American workers under a quality health care plan remains the goal. Another objective that remains clear is that the plan to be implemented will follow the employer-based model which Americans' employers have crafted for over fifty years. Small business owners will be mandated to provide health insurance to all workers, including those who work part-time. This paper examines the health care incentive measures and risk rating practices perceived to be effective cost control mechanisms for small business firms. Conclusions concerning a well-designed incentive program are offered within the context of the Americans With Disabilities Act.
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