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|How the ACA Inadvertently Threatens the Financial Health of Small Businesses, and What States Should Do About It|
Robert C. Pozen, via The Brookings Institution
Nov. 16, 2015
"By financing their own health care plans, [companies] stay exempt from the community rating requirements ... [and] from the federal and state taxes on most health care premiums that are paid to traditional insurers.... One possible improvement would be for state regulators to require that every stop-loss reinsurer under its jurisdiction provide small firms with advance notice of three months before canceling a stop-loss policy or materially raising its premiums. The notice would give the employer a bit of leeway to figure out an alternative. Another idea would be to expand and enhance the role of the brokers that small companies hire to handle their reinsurance needs.... A final possibility would be to extend the reach of the new health insurance exchanges operating under the Small Business Health Options Program, or SHOP."
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