Health insurance plans for small business take a turn when, more and more often, entrepreneurs who own small companies choose to take off their employees from collective health insurance plans and give them extra salaries instead so they'll get individual insurance for themselves.

The health insurance plans for small businesses aren't sustainable in the long term, a report by the Associated Press (AP) in New York shows. Or at least the owners of the businesses don't consider them so, as the article places the example of Monty Hagler, who discovered he'd have to spend as much as 38% of his revenues in health insurance plans for small business as shown by the legislation.

Even though Hagler checked the budgets of several insurance carriers, but found that none of the options was nowhere in compliance within his budget or his needs as an employer - really, as far as he checked, all the health insurance plans for small businesses were either too expensive or bare-bones.

The situation being what it was, Hagler decided to tell his staff of 12 that he'd give them an extra bonus of money so they'd choose and buy their own individual plans, as he also noticed that these were more accessible and had better coverage than health insurance plans for small businesses.

Hagler's case, however, is not an isolated one but rather a growing trend: according to health insurer Wellpoint, last month its roster of health insurance plans for small businesses has decreased by 12% in 2014, and nearly 3% of 1,600 that were surveyed by the Human Resource Management will be giving their employees subsidies come next year, so they'll get individual coverage.

Health insurance plans for small businesses aren't really covered by law in their smallest cases, as this is only required when a company has more than 50 employees; however, traditionally owners of small businesses have offered some sort of health plan to entice the most talented workers to their companies.