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COVER STORY
The Health Care Crisis
Insurance costs are soaring, and a growing number of small companies are dropping coverage. What's an entrepreneur to do? Take a look at the alternatives to conventional plans
CHART: Ouch! The Nation's Smallest Companies Faced the Biggest Hikes in Health Care Premiums
TABLE: Remedy #1: Medical Savings Accounts
TABLE: Remedy #2: Self-Funding with Stop-Loss
TABLE: Remedy #3: Split Funding
TABLE: Remedy #4: Association Health Plans
TABLE: Remedy #5: Consumer Choice Health Purchasing Group
CHART: Who's Covered
Commentary: Search for a Cure
ONLINE EXTRA: A Healthy Attitude: Cutting Health Costs by Changing Your Workplace
ONLINE EXTRA: A Checklist for Reducing Health Care Costs
 FEATURES
Nothing Ventured
Women are succeeding in business as never before, but they're just starting to crack the venture capital markets. The obstacles range from rank sexism to the lack of a support system. The solution: Try harder and network like crazy
TABLE: You've Come a Long Way, Maybe
CHART: Gender Gap
CHART: Who's Calling the Shots
Give 'em Hell, Jane Wayne
This Raven Really Flies
Resources: For Women Only
ONLINE EXTRA: Working to Create an Old-Girls Network
A Wealth
of Choices
A few years back, 401(k) plans were so costly and so few that most small businesses decided to do without them. But dearth has turned to deluge. Here's our guide to picking the best one
CHART: Fee, Fi, Fo, Fum
TABLE: Do-It-Yourself Pensions
What Could Be Simpler?
ONLINE EXTRA: Compare Your Options: Here's a table of the seven major pension plans available to small business, with features, costs, pros, and cons

DEPARTMENTS
InBox
The best town for small biz, entrepreneurial semantics, and taking a flyer on air fares
Trends
Business starts are down while hiring by small companies is way up. It's all about good times
ONLINE EXTRA: Where Business Births Are Still Booming
What Works
Only 3% of small businesses bid for federal contracts. The rest are missing out on a lot of bucks
Smart Answers
Selling stock to raise money for a startup
Chronicles
Customizer AI Design has created the mother of all SUVs
Digital Manager
Brace yourself--your tech costs will climb 20% over
last year's
Random Access
The Date Maker
My Company
Inflation isn't a problem? Don't tell this entrepreneur
Under 30
Anthony Kirkland wants to turn Boston into a hip-hop kind of town
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Cover Illustration by
Francisco Caceres
Online Extras
FRONTIER ONLINE
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smallbiz.businessweek.com
TECHNOLOGY
Read the online version of Digital Manager every Tuesday. Consult our Buyer's Guide every day
FINANCE
Look for regular updates on interest rates for small companies and venture capital
WORK & FAMILY
Jill Hamburg Coplan and Pam Mendels balance personal and business lives, Monday and Wednesday
SMART ANSWERS
The online version of our help column for managers of small companies every Tuesday and Thursday
DIARIES
On Fridays, Net Journal tells what it's like to run a Web startup from Day One, and Factory Days gives an intimate portrait of running an Old Economy manufacturer
PLUS:
ONLINE EXTRAS
Create your own sales leads, free online loan searches, and a start-up guide for budding entrepreneurs
ALSO:
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