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Text: Working to win quality, affordable health care for all Marylanders


Small businesses pay much more than large employers for the same health coverage.  And premiums for small businesses are expected to grow an average of 15% in 2010.  Health reform provides small businesses, the engine of our economy, with relief from these skyrocketing health care costs.

2010 to 2013

  • New tax credits for small employers contributing at least 50% of the total premium: The full 35% credit of your employer contribution will be available to small businesses with fewer than 10 employees averaging less than $25,000 annual wages.  Small employers with fewer than 25 employees and average annual wages of less than $50,000 are eligible for a sliding-scale credit

September 2010

  • Insurers will no longer be able to drop your coverage if you or an employee gets sick
  • No lifetime caps on your benefits


  • Grant money awarded to small businesses that establish employee wellness programs.
  • Creates a long‐term care insurance program to be financed by voluntary payroll deductions to provide benefits to adults who become functionally disabled.


  • The tax credit will increase up to 50% of the employer premium contribution for lasts 2 years
  • Small business owners with fewer than 100 employees can shop for and compare plans through the new online marketplace called the Small Business Health Options Program (SHOP) exchange
  • Pool risk with other small businesses, giving you the same competitive advantage as large businesses, lowering costs and freeing up revenue to hire additional employees or give raises
  • More choices of health plans through the exchange; compare plans apples to apples
  • You can select a plan or select of level of plan (bronze, silver, gold, platinum) and let your employees pick the plan within that level that works best for them
  • Premiums no longer based on health status, so if an employee gets sick, costs won’t skyrocket.
  • New clear and plain language on insurance forms so that you can easily understand what benefits and what doctors are covered in your plan.
  • Annual limits on your benefit plan prohibited
  • Deductibles limited to $2,000 for individuals and $4,000 for families in small group market
  • Exempt from employer requirements to provide insurance, if you have 50 or less employees.
  • If you have 51+ employees, don’t offer insurance, and at least 1 full-time employee receives a premium credit, you’ll be assessed $2,000/full-time employee, excluding the first 30 employees.
  • If you have 51+ employees, offer coverage but have at least 1 full-time employee receiving a premium credit, you will pay the lesser of $3,000 for each employee receiving a premium credit or $2,000 for each full-time employee.

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