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超过一半的美国劳动力受雇于小企业,这些组织是美国经济的支柱。小企业的创新者和美国劳动力的主要雇主,在这个国家的经济复苏他们扮演着至关重要的角色。但随着政府对医疗保险规定影响收入,小企业主面临危险在不久的将来,不仅会影响业主,也会影响劳动力作为一个整体。

增加了政府规定的医疗保险可能会导致所有者经济压力的增加，并且大幅降低他们的收入。许多雇主很难抽出资金为雇员提供保险,因为他们有更少的员工,所以人均医疗保险的成本高于其它联营公司。自二零零九年以来，小型公司的人均保险成本增长了约一百二十九美元。

With over a half of the American workforce employed by small businesses, these organizations are the backbone of the American economy. Small businesses are the innovators and the main employers in the American work force; they play a vital role in the nation's economic recovery. But with the increasing government regulations over health Insurance affecting their revenues, small business owners are facing peril in their near future which will affect not only the owners but the work force as a whole.

Increased government regulations in terms of health insurance may cause increased financial strain on owners while decreasing their revenues dramatically. Many employers have a difficult time purchasing coverage for their workers because they have fewer employees, so the cost of health insurance per worker is higher than that for a corporation who has a larger employee pool. Insurance costs for small businesses have increased 129 percent since 2000.

Small businesses with less than five hundred employees create more than two-thirds of the jobs in the American economy, but an excessive amount of their revenue is going toward inflated health insurance premiums, and not where it should be directed - growth and expansion, which would lead to the employment of more individuals(Landrieu, 2009).

Small business employees pay an average of 18% more in premiums than those in large firms for the same benefits. Small businesses and their employees are frequently charged more for the same health insurance coverage than large employers and their workers. Due to this the employers of the small businesses have to face greater difficulty in providing the facilities to their employees.

In many states, if business owners purchase insurance for themselves they must cover their employees as well. This leaves many sole-proprietors unable to afford the luxury of health insurance. They desire to cover their workers, but unlike bigger corporations and firms, they are unable to deduct the expense on their tax return.

The prices that small and large firms paid for health insurance and the value of the products purchased are similar. However, insurers of small health plans have higher administrative expenses than those who insure larger companies. Also, operating expenses are all higher for small health plans too. Small firms received slightly less generous health insurance benefits, according to calculations of actual value.

For these reasons, small businesses offer health care coverage to a lower percentage of their work force and are a different type of customer than large firms.

Improving access to credit by small businesses is a crucial step in supporting economic recovery and job creation. Since the financial crisis began, small businesses have faced a perfect storm: the pulling back of lending by banks, deterioration in the value of real estate that they often rely on for collateral and weakened sales. The following proposals can help solve our 本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。