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the Affordable Care Act requires all employers with more than 50 full-time employees to offer health insurance or pay some pretty stiff penalties thatamp;#39;s a big problem for many small firms some have never offered health insurance others donamp;#39;t feel they can handle the financial burden so we see more and more small firms gravitating towards something called self-funding self-funding means that the small firm does not buy a policy from a large healthcare insurer and instead collects the premiums sets up its own network and administers its own health care plan thatamp;#39;s done by a lot of large companies but when small companies do it thereamp;#39;s a lot of risk they donamp;#39;t have a diversified employee base and they donamp;#39;t have the financial resources if something goes wrong and consider this suppose one employee gets an esoteric disease and it costs millions of dollars that could put the small firm out of business so small firms tend to buy something calle
