As the former owner of a business, Clark used to provide health coverage to his employees. And, although it seemed like a lot at the time, he was paying peanuts compared to what people are paying today. The expense and affordability of health coverage is a huge problem for people owning their own businesses. Prices have gone up so much that criminal rings are now selling phony insurance – at much cheaper rates - to these companies. A new report from Congress shows that 15,000 employers got duped by phony non-insurance companies. Bills would go unpaid, and finally the company would learn that there never was any insurance. Imagine if one of your employees got a serious or chronic illness and there is no insurance to cover it. It’s very easy to find out if someone is selling you real insurance or not. All you have to do as an employer is to call your state insurance department and ask about the company or supposed company. The criminals have been operating in three states in particular – Georgia, Florida and Texas. There have also been minor problems in Alabama, Illinois and New Jersey. There could be many other states out there with these problems and they don’t even know it. So, have your employer call right away.