Encourage Walmart to Offer Low-Cost Health Insurance for Small Businesses

Target: Mike Duke, CEO of Walmart

Goal: Encourage Walmart to offer low-cost health insurance for small businesses

Walmart is considering making deals with insurance companies to offer low-cost insurance options for small businesses. Small business owners have traditionally had a hard time finding healthcare coverage, and this could benefit them greatly. Walmart has received its share of bad press, but this, like its $4 prescriptions, could be an excellent public service.

In the US, 25% of small business owners have no health insurance, and 50% rely on family to obtain health insurance. A small business will pay about 18% more on average as a larger business for the same healthcare plan. And small business owners lose far more money buying healthcare insurance for their employees.

Walmart’s plan is to offer a health insurance exchange, allowing small business employers to pay employees a certain amount to spend on insurance. Walmart would then be able to offer services at prices affordable for the small business. “It would allow small employers to piggyback Walmart,” said Marcus Osbourne, Walmart’s vice president of health and wellness payer relations.

Walmart already offers a low-cost Medicare drug coverage plan with health care company Humana. And Walmart’s $4 a bottle generic prescription drugs have already proven successful; now, other chains such as Target and Kroger are selling similarly priced prescription drugs.

It is unclear how well corporate health insurance exchanges will work on a wide scale, but the lack of affordable health care is what causes many small business owners to go out of business, and what dissuades many disenfranchised employees from starting businesses in the first place. Walmart has the power to help determine if corporate health care exchanges are the solution to this problem. Please encourage Walmart to offer low-cost health insurance for small businesses.


Dear Mr. Duke,

We would like to encourage Walmart to offer low-cost health insurance for small businesses. Health insurance is becoming prohibitively expensive: in the US, 25% of small business owners are uninsured while 50% rely on their families for healthcare coverage. The inability to cover health insurance costs for employees causes many small businesses to close and dissuades many enthusiastic would-be entrepreneurs from starting companies.

We think that Walmart’s recent idea to offer health insurance exchanges for small companies is an excellent way for small business owners to be able to pay what they can for employee coverage. Walmart can work with insurance companies to offer the most coverage for the lowest price.

Corporate health insurance exchanges haven’t been tested on a wide scale, but Walmart can help determine if they are an effective solution to a serious problem. And Walmart has had success in healthcare-related endeavors before: the $4 generic prescription plan was a huge success and enabled other companies to offer similar plans, making prescriptions more affordable for millions of people.

Please implement the low-cost health exchange program at Walmart and make entrepreneurship a valid option for the many people who can’t afford exorbitantly priced health care.


[Your Name Here]

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