Ever try to avoid penalties on the Pitch?

Any decent Rugby player bends the laws. Penalties are costly turnovers, and can lead to 3 or even 7 points.

That doesn't stop us from playing the ball on the ground in a ruck. (A boot would though...)

Anyway, Obamacare has a penalty for those who don't buy health insurance, starting 2014. This especially affects business owner's with employees.

Here's how to get around that: (By the by, this isn't tax advice. Verify this with your payroll guy or CPA)

The employer can set up a POP, or premium only plan. The boss dumps X dollars into each paycheck on a pre-tax basis, and it's up to the employee to purchase health insurance.

This prevents the company from paying a penalty, avoids COBRA hassles, and each employee now has portable health insurance. (Ever get hit with a COBRA rate?)

Another advantage is that it gets the Boss OUT of the health insurance business. IMHO, you should own your own HI, and never let someone control your health care dollars.

You're a Rugby player. The ball is safest in your hands, right?

Even in the bottom of a ruck...