The Affordable Care Act (ACA)—regardless of its critics
and proponents—will affect all businesses in some way. The
Kaiser Family Foundation and its Health Research & Education
Trust conducted a survey in 2012 to learn how large companies (more
than 200 employees) and small companies (three to 199 employees)
approach health care coverage and benefits.
According to the survey, 98 percent of large companies offer
health care benefits compared with 61 percent of small companies.
The top reasons why small companies don't offer health care
benefits? They say the costs are too high, employees are covered
elsewhere and their companies are too small.
Among the small companies that do not offer health care
benefits, 15 percent shopped for insurance within the past year
compared with 39 percent who shopped for health insurance in
For companies offering health insurance, employees at small
companies contribute 16 percent of their annual premium costs, and
employees at large companies contribute 18 percent. The gap widens
for family coverage: employees at small companies contribute 35
percent of their annual premium costs; employees at large
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