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论文作者:meisishow论文属性:作业 Assignment登出时间:2014-09-30编辑:meisishow点击率:6960
论文字数:3178论文编号:org201409171606263123语种:英语 English地区:美国价格:免费论文
关键词:劳动力市场小型企业美国workforceemployed
摘要:这是一篇美国留学生写的小短文,重点是分析该国的劳动力市场,当然我们在学习的同时也要关注一下留学生的短文该如何去写。
Small business owners can benefit from a new proposal that would allow their workers to be pooled with the employees of other smaller businesses (Anonymous, 2009). The proposed solutions are。
•Allow Insurance To Be Sold to Associations. There are some 16,000 associations in the United States, and six million people are already insured through such organizations as the National Association for the Self-Employed. Association health plans allow small business owners to pool resources, negotiate with insurers and purchase insurance plans for members. However, the existence of 50 sets of state regulations is a barrier to low-cost health insurance. If small firms could buy health insurance with uniform federal regulations, they could enjoy the same lower administrative costs and greater bargaining power as large firms.
•Let Businesses Purchase Health Insurance from Insurers in Other States. Protection from interstate competition allows politicians to impose expensive mandates and costly regulations. Allowing businesses to purchase coverage across state lines would create more competitive insurance markets. Interstate compe?tition would give more people access to affordable insurance.
•Let Businesses Contribute to the Cost of Employee-Owned Insurance. Health insurance in the United States is largely tied to employment because employer contributions for health insurance are tax deductible business expenses and do not count as taxable income for employees. Premiums for employer-paid health benefits avoid all income taxes and the (FICA) payroll tax. By contrast, employees of small businesses without employer-provided health benefits get no tax relief.
Small business employers should be able to contribute to the cost of health policies purchased by their employees. Their workers would get portability, but at premiums closer to the cost of group insurance. As a result, insurance coverage would follow people from job to job and workers would not face a disruption in benefits when their employment changes.
•The insurance company would then be able to offer them lower rates; more employees would be pooled together, thus lessening the cost per person.
•Loosening government regulations and offering health insurance relief to sole-proprietors would bring about other benefits.
•The gained revenue could then be used to train employees properly, incorporate the tools necessary for their work to be completed in a timely and effective manner, and hire qualified, motivated employees with a strong work ethic.
•Their businesses would then be able to grow, thus decreasing the unemployment rate.
•This in turn would stimulate the economy and increase the betterment of life not only for the employees in question but for Americans as a whole.
•As the businesses will grow, this will develop greater struggle amongst the businesses and as a result will help in increasing the Competition. Competitive market always results in betterment.
•Small business owners and their workers will be focused Small business owners will be passionate about their businesses.
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