"Here's a Nice Raise. Go Find Your Own Health Insurance"

The rapidly rising cost of healthcare has made health insurance outside the reach of many smaller businesses, as even raising co-payments or monthly premiums is not sufficient. Sometimes an employee may benefit, especially a younger employee with no chronic health problems or one who is married to someone with good health insurance. Nevertheless, this adds a risk factor to workers; since insurance groups are poorly organized in most cases; workers end up in the expensive individual insurance policy market. Obviously, this could be a real problem for older employees, workers with young children and those with chronic health concerns.

Entrepeneurs, take note--if you are good at networking, can handle some risk and have some negotiation skills, setting up a health insurance pool for workers without insurance from their employer could become a profitable business for you.