Manage My Business Credit

  • CreditBuilder™: Add good payment history to impact your D&B® scores
  • CreditMonitor™: Monitor your credit file in real time with detailed info about changes to your D&B scores
  • CreditSignal®: Receive free alerts to changes in your D&B business credit file

Manage My Business Credit For Me

Monitor Another Company's Credit

Not sure which product is right for your business?

Our Credit Advisors are standing by

to assess your needs and help point
you in the right direction.

Call Today Call 800-700-2733


Ask about our Concierge service.

Business Directory

Business Services

  • VERIFIED™: Get your business data VERIFIED™ to help protect your business identity online
  • Business Shield: Helps protect your company by alerting you to potential warning signs of business identity theft
Help manage your
business identity and
reputation


Let us distribute your VERIFIED
information
to up to 90% of US
consumers searching online.

Call Today Call Today! 800-700-2733

Sign up for FREE today!
Help protect your business identity against inaccuracies and business misrepresentation online and across social media properties
Get it now text

Enterprise Solutions

If your company is looking for a custom enterprise data solution, contact us at
1-800-264-0947 or businessdevelopment@dandb.com
Lead Advisor
Better Data, Better Results
Whether you're a list professional or a first-time marketer, our lead experts will work with you to help you target, segment, and select the list most likely to work for you. Learn More.
Call today 1-855-455-8039

Free D-U-N-S Services

Expedited D-U-N-S Services

  • Small Business Starter™: Promote your business online and get an expedited D-U-N-S and business credit file
  • DUNSFile™: Get a D-U-N-S and basic business credit file in 5 business days or less
Company Update
Update your company info today. It's free!
Review and update your existing D&B® credit report, dispute inaccuracies, add financial statements, and review public filings.

Don't have a D&B report? Get your FREE
D&B D-U-N-S now.
Get Started

What Small Businesses Need to Know About Healthcare Reform

4 Things to Consider About Health Insurance After the Affordable Care Act Comes Into Play

Healthcare reformThe Affordable Care Act has been one of the most controversial and hotly debated topics to have ever come out of Washington D.C., but despite all of the opposition, come January 1, 2014, healthcare reform will go into effect. Love it or hate it, the Affordable Care Act will undoubtedly have an impact on how small businesses choose, buy, and manage their healthcare plans.

But, what exactly do entrepreneurs need to do to ensure that they are getting adequate coverage for their employees without it costing them an excess in premiums? Here are four important things that every entrepreneur needs to consider once the Affordable Care Act comes into play.

#1 – Private Market Options Are Still Available

One of the most commonly used terms in association with healthcare reform is “exchanges.” Healthcare exchanges are online warehouses where employers and consumers can go to purchase affordable health insurance. But it is important to know that as touted as they are, healthcare exchanges are not going to be the only option available.

Private market options will still exist in the post-healthcare reform world, and for many businesses, the private market may offer the solutions they are looking for. Before settling on a plan that’s offered through a healthcare exchange, do your research and compare those plans with others on the private market so you can get the best coverage for the best price.

#2 – Use a Broker Who Is Appointed on the State Exchanges

If you are unsure about your options, then choose a broker who is appointed on the state exchanges. This type of broker has the ability and authority to offer healthcare options from both the state exchanges and the private market. Because of this, an appointed broker will be better able to help you compare and choose the plan that works best for your business.

If you decide to purchase insurance on your own, then you assume all of the responsibility and run the risk of choosing a plan that might not meet all of the needs of your employees.

#3 – Ensure Your Business Is Compliant

Once the Affordable Care Act comes into play, it will be crucial for small businesses to be compliant with the plan’s requirements. Failing to do so can place your business at risk of costly fines and penalties, and in some cases, even lawsuits. Talk with your broker and payroll service to help ensure that all of your obligations are properly met.

#4 – Analyze Your Insurance Plan for Accuracy

When setting up your insurance plan, everything needs to be accurate and compliant. Therefore, the employees you list on your healthcare plan need to match those on your payroll, benefits packages, and workers’ compensation policy. The company’s information and contact details also need to be consistent among the policies. Lastly, you should conduct a thorough inventory of your insurance plan’s coverage options to ensure that your plan covers the needs of your employees to the fullest possible extent.

Dave Donovan

Author:

Dave Donovan has written extensively for the web with a primary focus on articles targeting finance and business.