Small employers are at the cross-currents of pandemic-driven forces. Many small businesses rely on face-to-face interactions, and few have deep pockets to weather shutdowns and stalled demand. The revenue freefall that businesses have experienced over the last five months makes sustaining payments for health insurance coverage challenging if not impossible. Yet, at a time when we are all vulnerable to a dangerous virus with no vaccine and limited treatment options, the idea of going without health coverage can be terrifying.
To address growing challenges in small group health insurance, the Rutgers Center for State Health Policy convened a virtual expert panel on July 16. Drawing on perspectives from the insurance industry, small business, and public affairs, the forum shed light on the causes of our troubled market and possible solutions.