Why Health Care Reform is Needed For Small Business Owners

The attention of public has been concentrated for a while now on the ongoing debates on what the health care reform will bring. By now we are all familiar with the horrifying facts about the number of Americans without coverage, and the fact that almost 50% of 47 million currently uninsured are employed or dependent on small companies. Small business, being the major job creator in the States, has a critical place in the health care reform debate. The utterly poor state the small businesses find themselves in when it comes to health care coverage is what’s causing them to constantly re-question the proposed reform. The main issue for all companies, and especially the small ones are raising health care costs which repeatedly lead to job losses in many industries.The fact that health care premiums have doubled in past nine years speaks for itself. Small businesses pay 18% more per employee than large companies for the same health insurance policies. The reason being they have a smaller risk pool and have to pay higher broker fees and administrative costs per employee. That is the main reason why only 49% of firms with less than 10 workers offer health coverage. The money spent on health care coverage could be spent on much needed investments, research and development, but instead the innovation that small business brings is standing frozen. The small percentage of small firms that do provide coverage are cornered to cut costs elsewhere which at the end keeps them from growing.The promise from the White House is that the proposed health care reform would reduce the current burdens on small business.One of the principals that would be used to achieve this is an “insurance exchange” which would allow small business to purchase health insurance choosing from some kind of small business plan that would provide better coverage at lower costs than they could find in the current small group market. According to the current draft legislation, many small businesses that provide coverage for their employees would receive a small business tax credit as a way to encourage coverage.Also, the creation of an insurance exchange would provide better options for employees of small firms that do not offer health insurance. Health insurers also would not be allowed to screen potential enrollees for pre-existing conditions. At the end, the proposed reform would boost creation of new companies and increase the number of workers willing to work for small firms, and would also reduce the “job lock” phenomenon in which workers hesitate to leave a job with employer-sponsored health insurance out of fear that they will not be able to find affordable coverage and instead of starting a small business more and more entrepreneurs will be selling a business.

The Benefits Of A Custom Web Design For Small Business

It is imperative that every small business in this day and age has a website. It is not only a web address for your business, if cleverly designed and properly managed, it is your 24/7 marketing department and sales department put together under one umbrella. Lets not go jumping straight into it however, lets go over a few points about small business web design and the benefits of choosing a custom website over a template based website design.Custom website design is one of the favorite options for website designing. The reason why custom web site design is so popular these days with small businesses is; well there are several actually. One significant reason is that custom web site design allows you to choose not only the aesthetics aspects of the template but also the functionality of the website. Template of the website lets you determine the layout, color schemes and other visual aspects, whereas the functionality of the site deals with the user interface that determines how easy or difficult it is going to be for letting the customers to reach call to action. A website that is part of a larger corporate identity will require everything to be in sync with the greater picture and one which appears distinctly to be a part of the larger scheme of things.There are several open source content management software that makes website building a breeze, however they are not 100% unique and the same template and layout is used by hundreds and depending upon the popularity of the theme, thousands of other websites. Web design companies that specialize which specialize in custom website design rather than template based web design allow you the choice and the freedom to design your own website and reduce the risk of your website looking much the same as someone else. This type of small business website design company will allow you to input designing suggestions which will be incorporate into the design. Usually, there are several amendments that are allowed until the perfect design is achieved.Another benefit of a custom website for small business owners is the ability to select a flow of the website which is unique to your business needs. Ready made CMS based websites often does not allow the luxury to create a flow that is ideally suitable for your business needs. You will need design services such as that only a custom web designer can do to create that flow for you.A custom website design for your small business enables you to set your standards separate from the competition and allows you to stand apart from the clutter. An industry where the websites are all designed in a clich├ęd manner would love a fresh perspective to content presentation. Small businesses now put a lot of effort on SEO tactics and a custom website allows the opportunity to tweak the SEO tactics which a ready made CMS system does not allow or need considerable effort to have.Be sure to take a look around before you decide on a web design company and make sure that the web design company that you do choose provides high quality, custom web design and is able to meet all of the needs and requirements of your small business.