8 of 9
BACKNEXT
Kyle James Keller: $100
Kyle James Keller: $100
Kyle James Keller (right) and husband/domestic partner, Christopher R. Boltz
Age: 36
Occupation: Video producer
Hometown: Pasadena and Fresno, Calif.

I've started my own business, so for the time being, we've added me to my spouse's insurance plan. My spouse is a professor of theatrical design at Fresno City College, so we are insured through California's state employee program, which is managed by Anthem Blue Cross.

The good news is that he's got an excellent benefits package, so that doesn't cost us anything extra out-of-pocket. It is competitive, and while it is not the best insurance program I have ever encountered, it meets our needs for right now. The bad news is that the Federal government doesn't acknowledge our relationship, so the employer contribution is reported as taxable income. That costs us about $100 a month, which is not back breaking, just annoying.

Unfortunately, I can't offer heath care to my employee right now. I had not originally intended to have any employees, but almost as soon as I started the business I had more work than I could handle alone. So I hired someone. Fortunately, she's still a student and can qualify for insurance through school. But as soon as she graduates, I'm going to be in the uncomfortable position of either leaving her uninsured or pay for a small-business plan.

Ethically, I very much want to make sure she's covered. But I'm just not sure the income stream will be able to handle it, especially since the nature of the business is very feast or famine. Unless the company's income increases dramatically, the informal quotes I'm seeing are not feasible.

I have talked to a lot of small business owners who are in a similar situation. A lot of small business owners care more about their employees than big, multi-national corporations and it tears us apart that we can't do what we think we should be doing.

My thoughts on universal health care: I firmly believe in universal health care, but I don't believe in socialized health care. I am a very big believer in the free market. I want universal health care through the private sector, through the free market.

NEXT: Sue John: $336

Last updated May 01 2009: 12:50 PM ET
More Galleries
8 CEOs who took a pay cut in 2013 Median CEO pay inched up 9% in 2013 to $13.9 million. But not everyone got a bump last year. Here are eight CEOs who missed out. More
7 businesses Amazon wants to shake up From industrial supplies to educational software, Amazon is about more than just retail and books. More
Don't miss these Tax Day deals From massages and paper shredding to cookies and queso, celebrate the end of tax season with these Tax Day freebies and discounts. More

Special Offer
Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.