1. Health Care Coverage for Small Businesses in Colorado Hot Issues in Health Care 2004 Schulte Consulting

2. Layout What is small business health care coverage? What is small business health care coverage? How many people receive health care coverage through a small business? How many people receive health care coverage through a small business? What has happened to small business health care coverage over time? What has happened to small business health care coverage over time? Why do small businesses offer coverage to their workers Why do small businesses offer coverage to their workers Why do employees enroll in coverage? Why do employees enroll in coverage?

3. What is small business health care coverage? Health care coverage for businesses with 1-50 employees Health care coverage for businesses with 1-50 employees

4. How many people receive coverage through a small business? What percent of Coloradans work for a small business? What percent of Coloradans work for a small business? What percent of small businesses offer health care coverage to their employees? What percent of small businesses offer health care coverage to their employees? What percent of Coloradans receive health care coverage through a small business? What percent of Coloradans receive health care coverage through a small business?

5. What percent of Coloradans work for a small business?

6. What percent of small businesses offer health care coverage to their employees?

7. What percent of Coloradans receive health care coverage through a small business?

8. What has happened to small business over time?

9. Do small businesses pay higher premiums than large businesses?

10. Why do small business offer health care coverage? Business size Business size Income level of employees Income level of employees Competition with large businesses for labor Competition with large businesses for labor

11. What has happened to small business employees over time?

12. Why do employees enroll in coverage? Income level Income level Coverage through spouse’s employer Coverage through spouse’s employer

13. Three things to remember 11% of Coloradans are covered by small business coverage 11% of Coloradans are covered by small business coverage Small businesses pay health insurance premiums that are similar to large businesses Small businesses pay health insurance premiums that are similar to large businesses Businesses and employees to not respond much to price changes Businesses and employees to not respond much to price changes