The major changes with Health Reform will be enacted on January 1, 2014 which will create change for small and large group employers. While small groups are not mandated to offer coverage (There is not an inadequate or unaffordable coverage penalty for small groups) they will still see changes. Health plan renewals for 2014 will be increased 30% to 50% over the normal renewal making it very difficult for many employers to offer coverage. The individual and small group (Called Shops) exchanges will also be available. Ultimately, small groups will have five options for health care offerings in 2014. All five options are reviewed in depth below. Read more
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