The Effects of the Affordable Care Act Essay

The Effects of the Affordable Care Act Essay

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The “Affordable Care Act” or also known as “Obamacare is hurting small business and their workers. Many establishments are trying not to expand in efforts not to pay higher taxes. Although the government will be giving small businesses a credit, but in the future they will eventually have to pay a larger amount of money each year for their worker healthcare, or in the beginning of the year they will be faced with penalties. According to the Charlotte Observer, Caroline McMillan Portillo (2013) explains, “Those companies now face a choice: offer a group medical plan, subsidize employees’ plans on the new individual exchange, or stop coverage altogether and risk seeing employees walk away.” As for the employees of these small businesses, owners are forced to cut full time employees hours and only hire part time workers. When the employee’s hours are reduced they earned less money, which hurts them financially.
An immeasurable amount of small businesses are refusing to grow, in fear of higher taxes and the amount of money they have to spend on healthcare for employees. Many employers are trying to avoid paying higher insurance premiums. However, as of today policy for healthcare premiums is already higher than in the past which has many complications due to the rising cost of coverage. In paying for higher insurance and also the fines in which small business incur, employers will have to cut expenses to keep their business running smoothly and profitably. Therefore, employers will have to cut workers hours, which means their most valued and hardworking employees will probably walk away to work for a larger company who offers more hours or a full time position which includes health care benefits.
James Hamblin from The Atlantic (...


... middle of paper ...


...because of all the money they have to pay out many would not be able to have a profitable business. Many business owners will rather cut their workers hours and not pay for health insurance coverage. This will only force them to hire part time employees which has already began to take place in many small business including the many corporations as well. If the full and part time workers seek to find insurance through direct contact with insurance companies they will come to find that the insurance premiums have risen since last year especially for males. Obamacare promises everyone will be covered but in doing research it shows you have to apply but may not qualify which means you will be paying higher insurance deductibles. Small business will always have the option of not growing their business to avoid paying health coverage but it only hurts the workers.

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