My husband and I own a mom-and-pop business and used to qualify for a small group policy. Out of nowhere, with no explanation, we’re no longer considered “employees” of our company so no more small group policy for us. They just redefined all these 2-person businesses so they could force us to go onto the individual health insurance market to fund all the subsidies. We make a very modest living and don’t qualify for any subsidy. So we’re forced to choose among individual policies that are MORE EXPENSIVE AND FAR WORSE than the small group policies that we used to have access to. What an underhanded move to force us working self-employed folks to pay for all these subsidies that are flying out the door! All we can do at this point is get angry and be ignored while we shell out money we don’t have so everyone else on the exchange can have discounted insurance.
Here’s a link on the topic on my website njhealthinsurancehurts.wordpress.com
NOTE FROM OCF: The above link has been checked by ObamaCareFacts.com. It discusses an individual’s point of view on how labeling a two person business as individuals rather than allowing them group coverage is backfiring for them. The business owner works for the business, so they technically have one employee. Each person in the business must choose individual coverage instead of group coverage. Business with 2 employees, not including the owner, are eligible for group plans under the law.
Please also note that a business with one employee can reimburse individual coverage and get the tax benefits from that. So this is a big plus, despite not being able to offer group plans. See our page on HRAs.