facing a crisis in health care, the cost of which is rising at three times the rate of
inflation. Workers who do have health insurance are paying more for it and will
pay even more as the majority of employers plan to pass health care costs to
The Kaiser Family Foundation (www.kff.org) states also that women are the
major consumers of health care services and often seek coverage for their fam-
ilies as well. The AFL-CIO also says that women’s access to care is often com-
plicated by their disproportionately lower incomes and greater responsibilities
juggling work and family (www.afl-cio.org).
In contrast, entrepreneurs have decided that if they are going to pay more
for health care insurance, they are going to search for the best plans that meet
their needs. As entrepreneurs, they are paying for the entire cost, but by joining
business ownership organizations, they often find better coverage at lower
group rates. The good news is that health care insurance coverage and costs are
deductible expenses for business owners (check with your accountant or other
financial experts to learn how this pertains to your individual situation).