From an entire population perspective, the individual market risk pool is harmed when healthy people are given a lower-cost alternative. Short-term plans are generally only available to healthy people because they can simply reject applicants based on medical history. Association health plans cannot reject applicants or charge them higher prices based on medical history, but the plans can be designed in a way that they don't really appeal to people with pre-existing conditions.
So we can expect a slight decline in the value of premium subsidies in 2019, on the heels of two consecutive years when average premium subsidy amounts increased significantly. But the cost of your specific health insurance policy could go up or it could go down, depending on whether you receive a premium subsidy (most exchange enrollees do, but everyone who enrolls outside the exchange pays full price), and how much your plan's price is changing.
The ACA’s individual mandate penalty will be set to $0 starting in January 2019. People who are uninsured in 2018 (and not eligible for a penalty exemption) will still have to pay a penalty when they file their 2018 tax return in early 2019. But people who are uninsured in 2019 and beyond will not face a penalty, unless they’re in a state that imposes its own individual mandate.

So we can expect a slight decline in the value of premium subsidies in 2019, on the heels of two consecutive years when average premium subsidy amounts increased significantly. But the cost of your specific health insurance policy could go up or it could go down, depending on whether you receive a premium subsidy (most exchange enrollees do, but everyone who enrolls outside the exchange pays full price), and how much your plan's price is changing.
Group vision insurance plans can pay for eye exams, eyeglasses, ocular surgery and other eye-related medical care. Vision insurance is normally purchased as an addition to your regular small business health plan. While businesses aren't legally required to offer vision plans as part of their health insurance, tax incentives are available as a reward for small business to do so.

State-run marketplaces / exchanges have more flexibility in terms of when they make new plans available for browsing. For example, Your Health Idaho, the state-run exchange in Idaho, debuted window-shopping for 2018 plans on October 2, 2018, nearly a month before the start of open enrollment, just as they did the year before. And Covered California is starting their open enrollment period (not just window shopping) two weeks early, on October 15. This will be the schedule they use in future years as well.

As a small business owner, you can shop for group health insurance for your employees at any time of the year and browse a variety of insurers and coverages through eHealth. You'll need at least one employee to qualify for a small business plan and you'll contribute toward employee premiums. As of 2016, per the Affordable Care Act, businesses with 50 or more full-time employees must offer affordable health insurance or pay a tax penalty.


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