Guide to Insurance

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Affordable Small Business Health Insurance

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Health care costs in the United States have risen far faster than has the ability of the average American consumer to pay them. Unless you are fortunate enough to have an employer who still pays for your health insurance, you may have to pay as much as $500 a month in order to be covered in the event of a catastrophic illness. If you need a long stay in the hospital, you will be faced with thousands upon thousands of dollars in medical expenses; not including the cost of medications, which are also on the rise.



Government incentives are now available to small businesses. These tax breaks were intended to induce small businesses to offer group health plans, but few have taken these up. It is just too expensive for most small business owners - the tax breaks do not cover the extra expense involved.

As a result, it is the American citizenry who are left in the lurch. Having to pay for one's own health insurance can mean having to choose between food and insurance coverage. There is almost no such thing as affordable health insurance in this country anymore. If you have a serious medical situation, you might have to declare bankruptcy as a result.

If your income is at or under the poverty line, you may qualify for a form of affordable health insurance. In most states, federally funded programs exist which can provide medical coverage for serious illnesses or injuries. While you will receive lifesaving care, you will not be able to receive procedures which would be available to persons with full coverage. The premiums for these plans are on a sliding scale and are based on household income and size. These programs do provide something like affordable health insurance, but do not provide what anyone would really term quality health care.

Cuts in health insurance funding have been ongoing. These have been characterized by the elimination of some items in the list of services which are considered necessities. In 2006, the federal government mandated that state agencies reduce their costs. States responded with arbitrary cuts in programs - dental procedures were reduced to coverage only of emergency services. Also as part of this mandate, the administration slashed dental services for Vietnam veterans in order to provide care to Iraq veterans. This has led to Vietnam vets, whose teeth have suffered as a result of exposure to Agent Orange being reduced to pulling their own teeth with pliers! This failure of our health care system is nothing less than a national disgrace.

With a Presidential election just around the corner, affordable health insurance is on the minds of many. This is a nation which can afford to care for all of its citizens and needs to do so rather than merely giving lip service to this important issue. All Americans deserve health care, no matter what their income level.
Affordable Small Business Health Insurance
You can't do SEO (optimize your web site for search engines) until you've researched keywords. You can't research keywords without a clear view of your target market, your prospect types, and how your offerings fill their needs.

Affordable Small Business SEO

Affordable small business SEO not only uses the same old business and marketing basics, but also leverages the depth of accessible metrics for creating increased online traffic and better web site ROI.

When small business people ask me how their web site could be improved by SEO, I give them some version of the following list of questions. When you know the answers to these questions, you're much less likely to waste money on SEO efforts, and more likely to succeed online. You might even pull off some of this stuff yourself- and that'll save you big in consultant fees!

To find the right keywords to target with SEO and/or PPC, consider the following?

Goals: How much monthly traffic and sales do you get now? Where would you like these numbers to be? What are your most wanted responses- what do you want your ideal prospects to do on your site? (e.g. buy something, sign up for your ezine, etc.)

Market Segmentation: Who's your ideal customer or target market? If there is more than one group, characterize each.

Keywords that work: How do people find your site? What search phrases show up in your web logs?

PPC Metrics: Do you already use pay per click (PPC) advertising? What are your conversion rates? Are your bids profiting, or at least breaking even?

Getting more traffic is pointless if your site isn't an efficient sales machine.

Profit Margin: What is your online profit margin for each offering?

Conversion Rate: What percentage of your offline prospects make the purchase? (to gauge expected conversion rate for your services and find disparity in online results)

Customer Loyalty: How many people are on your ezine list? How often do you email them? What do you send them?

5 Common Critical Website Errors and How to Fix Them

About 75% of the web sites I've seen make all of these mistakes. As a result, their rankings and traffic suffer, and they lose potential sales revenues.

No Sitemap. No matter how well your pages are designed and no matter how nice the graphics are, every site need a good ?sitemap? page for search engines to index it more easily. This is a simple page of links- no frills except perhaps a bulleted outline structure. Even better, you can use the new Google sitemap xml template, and upload it to Google to increase the chances they'll index your whole site.

Insufficient Search Engine and Directory Submission. In the ideal cyberworld, you wouldn't have to submit your site anywhere- it would just get indexed and put where your prospects could find you. The reality is we still have to meet these services halfway. There are only a half dozen super-big sources of traffic (e.g. Google, Yahoo, MSN, etc.), but you have a better chance of showing up in them if you've submitted your site to the 100-200 minor directories and search engines. Also, there are niche directories that will help you rank on your best keywords and attract more prospects directly. Submit your site to these places with a free tool like WebCEO.

Mysterious Website Owners. Your visitors want to know, "who are the people behind this website? Can I trust them?" Unless you have a particularly snobby target market, put your picture and brief bio on the very first page of your site (if not every page). Let them know who you are. This might be taboo in offline marketing (not really- look at Ben & Jerry, Steve Jobs, Donald Trump, etc.), but online, genuine personality is a competitive advantage. It fosters trust, creates credibility and emotional bonds, and bridges the cold gap of cyberspace. You can do it appropriately for most target markets. The real question is: are you ready for the prime time?

Confusing Site Structure. Does your site confuse people? Do you know where they want to go, what they're really looking for? Where do you want them to go? Good site structure both guides your various prospect types to the places you want them to go and satisfies their needs. Get some of your target market to sit in front of you and use your website- watch what they do- it'll surprise you. And put a search engine on your website that gives you reports on what people search for- you'll get clues about what else to put online.

Ezine Neglect. The ezine signup form isn't prominent on some sites ? make it obvious and 'sell' your visitors on signing up. Tantalize them into ezine subscription with a free bonus. Why? Not everyone will become your customer the first time they reach your site. They may like your offerings but not trust you enough yet or be ready to buy. They may have questions. Once you have them on your list, you can sell them on you and your stuff (by helping them with tips) every week or two until they buy.

Not only do they need a free bonus to stimulate them to sign up, they also need to know what kind of thing you'll be sending them, that you'll keep their email address private, and that they can unsubscribe anytime. And I'd suggest using double opt-in to avoid spam- that means they sign up (you don't add them), and they confirm via email before they ever get an email from you.
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Both Joe Boyd & Brian Carter are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Joe Boyd has sinced written about articles on various topics from Health Insurance, Mortgage and Credit Cards. After reading this article, please visit my Financial planning site for more info concerning . Joe Boyd's top article generates over 14800 views. to your Favourites.

Brian Carter has sinced written about articles on various topics from Health Insurance, Travel and Leisure and SEO Search Engine Optimization. Since 1999, , has reached more than 2 million readers online. His most popular sit. Brian Carter's top article generates over 14800 views. to your Favourites.
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