Great holiday gift idea from Florida Trend!
Florida Trend
Get FREE Business News Updates


December 1, 2015
Insurance overhaul impact on a small employer: Aegis Business Technologies

Photo: Ray Stanyard

Business owner Pam Butler offers health insurance benefits even though she's not required to. She's not planning any changes.

Special Report: Health Care Insurance

Insurance overhaul impact on a small employer: Aegis Business Technologies

Lilly Rockwell | 9/3/2013

As a small-business owner, Pam Butler doesn’t worry much about the Affordable Care Act. She employs 16 at her Tallahassee-based information technology services firm, which means she falls below the 50-employee threshold that separates small businesses from large employers under the Affordable Care Act — an important distinction because large employers are required to offer affordable, comprehensive health care beginning in 2015.

Even though the law doesn’t require her to do so, Butler already offers health insurance to full-time employees. She plans to continue offering the benefit, staying with the same insurance company. Aegis pays 50% of the $4,500-a-year annual premiums for her employees. “That’s as generous as a small business can be,” Butler says.

She doesn’t gain from a part of the law that offers tax credits to small-business owners to offset the cost of health care. To qualify for that tax credit, the average wages of her employees must be below $50,000.

Butler says the only part of the law that could impact her bottom line is if premiums dramatically increase. This year, her premiums rose 9%, which she attributes to adding employees. Insurance brokers told her to expect rates to jump again next year from 5% to 8% or more.

Tags: Healthcare, Insurance, Insurance Overhaul

Digital Access

Add digital to your current subscription, purchase a single digital issue, or start a new subscription to Florida Trend.

An overview of the features and articles in this month's issue of Florida Trend.


Florida Business News

Florida Trend Video Pick

Amazon teases new delivery drones
Amazon teases new delivery drones

Amazon released a new video of its plans for drones, showing off footage the huge Internet retailer says is the real deal as opposed to simulated video.

Earlier Videos | Viewpoints@FloridaTrend

Ballot Box

Are the proceedings at the Global Climate Summit in Paris important to you?

  • Yes, I am very interested
  • I am following it some
  • No, doesn't interest me

See Results

Ballot Box