The challenge is paying for it.
Mavec understands. As a small business owner who provides health insurance for his employees, his premiums have increased substantially in the past few years, especially after the federal Affordable Care Act (ACA) took effect, even as coverage remained about the same.
And even though he moved himself and his family to a high-deductible plan coupled with a health savings account, those premiums have increased astronomically.
This has happened even though Mavec, 46, of
"The law (ACA) helped people who couldn't get health insurance before," said
"Which I respect," Mavec said. "It's important that people have health care."
"It's covering pre-existing conditions, which everyone agrees is a good thing," Gilmore said
"There are absolutely more people with coverage today," Gilmore said. "But one reason is because some of them are receiving subsidies" -- government assistance that helps cover part of the premiums for people with low incomes.
"That's great for them," said Gilmore, but the problem is small businesses and individuals not receiving subsidies are making up the difference.
"Just because people are receiving subsidies doesn't mean premiums are going down," Gilmore said. "What gets lost is that, regardless of tax credits, premiums are going up 40 percent or higher."
Everyone's talking about health insurance coverage because it's open enrollment time for 2017, not only for people selecting health insurance plans through their employers or on their own, but for people enrolling in plans using the online marketplace under the ACA, more commonly referred to as Obamacare.
Marketplace open enrollment at www.HealthCare.gov began Tuesday and goes through
For small business owners and people on individual plans, deliberations in the past few days have included sticker shock.
"Individual plans are renewing with 30 to 55 percent increases in premiums," Gilmore said. "We're seeing fewer plan choices and higher deductibles."
"The (health insurance) carriers have decided that the marketplace is not a profitable segment for them and, as a result, they've narrowed down the choices," he said.
Large employers have not been as severely impacted as smaller employers and individuals.
Gilmore said for his own family renewal with
Before ACA, in 2012, his monthly premium was
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For small businesses like Mike's Collision Center -- Mavec's
Even if Mavec stays with
"I think we'll stay with the transitional plan for as long as we possibly can," Mavec said.
Mavec's share of health insurance premiums have gone from
"In those 10 years, the increases have more than doubled," Mavec said. "I don't know any other industry where the price can double and it's acceptable.
"We absorb it," he said. "But as a company, it makes us less profitable."
Mavec moved himself and his family to another family plan with a
"When you look at a household going from
But Mavec is not considering dropping health insurance coverage for his employees and instead giving them money to buy insurance on their own.
"I know they are insured," Mavec said. "I know they are getting good coverage. It's a benefit. That's why we're a good place to work. It helps us to recruit and retain employees."
"I think it's important for people to have health care," he added. "But I don't understand it (ACA). I don't know what the fix could be."
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