Healthcare

Pre-existing conditions

A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Under the ACA, insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more. Note: Plans that are not compliant with the ACA may still charge more for those with pre-existing conditions.

Small business tax credit

The ACA established a tax credit for small businesses to help offset the cost of offering health insurance. To qualify for a tax credit, small business owners must pay at least half of employees’ healthcare premiums and have 25 or fewer full-time equivalent employees who earn an average of $50,000 or less per year.

Premium tax credits (also known as cost-sharing subsidies)

A tax credit you can use to lower your monthly insurance payment, or premium, when you enroll in a plan through the health insurance marketplaces. The tax credit is based on your income estimate and household information provided in your health insurance application. If your estimated income falls between 100% and 400% of the federal poverty level for your household size, you qualify for a premium tax credit.

Missouri music teacher helps clients find their voice

Plenty of entrepreneurs like to think of their business as one of a kind, but for Dr. Heather Nelson it might actually be true. Heather owns Heather Nelson Studio in Springfield, Mo. Heather’s unique musical training certainly qualifies her as a piano and vocal teacher, but she primarily works with those suffering from vocal injuries. While her typical clients range from novices to professional vocalists, Heather also provides vocal regimens and techniques to those who have damaged their vocal cords or been diagnosed with nodes or polyps to help them sing again.

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About Venturize

Venturize.org is a free online resource hub for small business owners like you that need help accessing tools and information to sustain and grow your business. Venturize offers unbiased education and resources to help bolster businesses and empower you to make informed financing decisions. Venturize is not a lender— but a program from nonprofit organization Small Business Majority.

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