What does health care reform mean for Montana’s small businesses?

• Tax credits are available to all small businesses if they choose to insure their employees.
• • Businesses can get tax credits up to 35 percent of premiums in 2010.
  • By 2014, tax credits rise to 50 percent of premiums for businesses with fewer than 25 employees and average wages below $50,000
• Starting in 2010, lifetime caps on all group and individual health insurance plans will be eliminated.

Are all small businesses required to insure their employees?

• No. 97 percent of Montana’s small businesses have no requirement to offer coverage. (Only businesses with 50 or more full-time employees are required to offer health insurance coverage.)

What about employees at these small businesses?

• Employees who don’t have coverage through their job will be able to get affordable coverage through the new exchange markets.

• Ends deductibles and co-pays for preventative care
  for seniors this year, for everyone by 2018
• Caps out-of-pocket costs
• Stops insurance companies from dropping coverage for illness
• Ends discrimination based on pre-existing conditions
• Allows Americans access to same health care as members of Congress
• Saves hundreds of billions of dollars in the long run
• Includes zero tax increases for 95 percent of Americans
• Strengthens Medicare
• Completely protects veterans' and military benefits

SAVES LIVES               SAVES MONEY               SAVES MEDICARE

"We're now moring forward to fix our broken health insurance system."
- Senator Jon Tester