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Under the plan, businesses with 25 or fewer employees with average annual wages of less than $50,000 will receive tax credits this year if they provide health care coverage to their workers. Those credits are expected to increase by 2014, with 4 million small businesses benefiting, according to the White House.

Any small-business owner worth anything....is going to examine the "tax credits" vs. the cost of providing health care for employee's. IOW, they probably aren't going to do it.

Tax credits! HA!!

I looked into this tax credit since it seemed to me that it's being touted as one of real strong points of HCR.

It will give tax credits for half of the premiums an owner pays if the owner has fewer than 10 employees averaging $20,000 a year. The average small businesses with < 11 employees have average salaries per employee of $27,000, however, meaning most businesses won't even get to take half of the premiums as tax credit.

Also, the plan ends abruptly after 5 years, probably negatively affecting cash flow at that point.

I now consider this small business incentive as bells and whistles material.

As you say, most owners will probably not take the tax credit.

My favorite sources are HERE and HERE