Today CHRT released a brief showing that more than 90 percent of Michigan’s small businesses are exempt from the health insurance mandates that become effective January 1, 2014. The brief also outlines the decision areas that all small employers should consider when determining how to participate in health coverage under the Affordable Care Act. CHRT’s brief, The Affordable Care Act and Its Effects on Small Employers, shows that 96 percent of Michigan’s 154,488 private-sector small businesses have fewer than 50 employees, exempting them from penalties if they opt to not offer health coverage.