The National Federation of Independent Business, the nation's leading small-business association, is sending postcards and emails to its 350,000 small-business members, including the 6,000 here in Montana, warning them of an October 1 deadline for employers to have informed their employees about their health insurance options.

"The federal government has done a lousy job of keeping employers informed, so we're doing it ourselves," said Riley Johnson, Montana state director for NFIB. "We don't want to give the administration an opportunity to play 'gotcha' with our members."


Under the new federal health-care law, every employer who is subject to the Fair Labor Standards Act must distribute a notice to all employees informing them of their health insurance options, either through the company or the new Health Insurance Marketplace, also known as 'state exchanges.'

"Like it or not, Obamacare is rolling out, but it's a mess. It's confusing, with multiple deadlines and different requirements for different sizes of businesses, and if we're not careful, it's going to roll right over Main Street," Johnson said.

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