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Fort Pierre and Alcester Elk Point.Aug. Sioux Ave. in Pierre.Oct. 1: State exchange opens as online marketplace for South Dakotans to buy health insurance. First enrollment period to last six months.Dec. 14: Those enrolling by Dec. 14 will have coverage by Jan. 1.Jan. 1, 2014: Individual mandate takes effect, requiring most Americans to carry health insurance.March: First enrollment period closes.Oct. 15, 2014: Second enrollment period opens, runs until Dec. 7.April 2015: Tax deadline when individuals without insurance during 2014 would pay their first penalty.The Affordable Care Act is presenting an opportunity to small Converse High Tops Size 13 Mens

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Health care reform means options

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Aug. 15: Federal government will name two navigators to assist South Dakotans in understanding the online insurance exchange. Navigators will be in addition to certified application counselors sponsored by nonprofit agencies, including community health centers in Rapid City, Isabel, Sioux Falls, Howard and Converse High Heels For Sale

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Construction, with his wife, Constance, and was intrigued to learn of the exchange posting $1,000 subsidies for middle income households.

business owners where they never thought of looking.It's in health insurance.It's not that the massive health care law has proved itself to be a moneymaker, a lifesaver or anything resembling an interesting read.With the individual mandate requiring all Americans to carry insurance by 2014 and the employer mandate following in 2015, it might take years for people running shops on Main Street to decide whether they like the law.But the Affordable Care Act is turning some heads, not in spite of what it requires, but because of it.And it might, in a roundabout way, open the doors for entrepreneurs wondering whether to move forward with a business idea.There are abundant reasons to think this could happen, said Dave Hewett, president of the South Dakota Association of Healthcare Organizations and a supporter of the new law. The law sets up insurance exchanges in each of the 50 states, starting Oct. 1, as online marketplaces for comparison shopping. It provides portability of insurance, letting consumers switch from plan to plan, and protections from being excluded because of illness. Those protections all would have the potential of leading someone to pursue a business startup on his own rather than seeking the safety of a job with a larger business offering group insurance coverage."It's a tremendous change for small business," Hewett said. "If I'm an entrepreneur, I now have a way to go shopping for myself and my employees, and all of a sudden rates cannot Converse Classic White Price be adjusted for my medical condition or your medical condition. You're covered, and they can't cancel you. That's huge."Many disagree with that assessment, predicting instead that the Affordable Care Act will bring higher costs and poorer coverage as a result of the federal bureaucracy taking the lead role in shepherding in the reforms. But a factor to follow as the law continues to take effect will be how small businesses and prospective entrepreneurs the starter engines of the economy will view their options in health insurance.Health insurance generally is far from mind for someone thinking about starting a business, said Rich Naser, executive director of the South Dakota Technology Business Center, a Sioux Falls agency that works with entrepreneurs."It's not going to be on that top 10 check list as to whether they proceed," Naser said. The distinguishing trait of an entrepreneur, he said, "is going to be that they have a passion for solving a problem, providing a product or service. Other things come into play at some point, like benefits, but that's not going to stop them. If it does stop them, they probably don't have the passion."Entrepreneurs commonly get health coverage on their spouse's group plan. Or, if they're single young adults, they put off a purchase. Now, the reforms might force even the smallest employers to begin offering coverage to stay competitive."I don't know if that will happen. This is all new, but if established businesses do it, small businesses will react," Naser said.Comparing plansThe insurance exchanges that will open this fall as online marketplaces are set up to give both individuals and small business owners reason to comparison shop for insurance.Brian Berg, 54, said he will do just that. He runs a two person handyman business, N Drywall and Converse Shoes Womens Size 8

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