Focus isn't the only business that loses out if it doesn't grow, Brock said. She calculated that she spends about $4,700 a month on equipment, supplies and services other than rent. That money goes to other companies that, in turn, can reinvest the revenue and possibly hire more people.
If companies like Focus don't grow, she said, it stifles the whole cycle.
Brock isn't completely giving up on increasing her staff of therapists and para-professionals, or opening the Savannah location, or offering health insurance.
It's just that now isn't the time.
"I'm hoping something gives," she said.
In the mean time, some of the employees at Focus are still wrestling with the issue of health-care insurance.
Terry Kinton, a full-time therapist, is one of those who would take company-provided insurance if it were offered.
Kinton's husband, who has had significant medical problems, is covered under Medicare, and her three non-adult children qualify for coverage under Georgia's PeachCare program.
However, Kinton goes without health insurance for herself. The 51-year-old Canton resident hasn't had a serious medical issue, and she's been able to use the pay-what-you-can services offered by a Christian clinic near her home.
Still, she's concerned about what could happen.
If something catastrophic occurred, she acknowledged, "I'd be in trouble." Kinton said even if Focus was able to offer coverage, the roughly $300-a-month tab for her would be too much.
Kinton said she understands Brock's position. She pointed out that Focus is generous when it comes to providing other benefits, including occasional professional-training programs, a less risky expense.
"I think it's really hard for small businesses," Kinton said. "I don't see how people can make it. It's sad when you can't grow. Isn't that every business person's dream?"
Still, it's not as though Kinton hasn't contemplated looking for a job with health insurance.
"I won't tell you I haven't thought about it," she said.
WHAT EMPLOYERS NEED TO KNOW
The employer penalty applies in 2015 to employers with more than 50 full-time workers who don't offer affordable insurance that meets minimum standards.
Employer coverage is considered affordable if the employee's share of the annual premium for self-only coverage is no greater than 9.5 percent of his or her annual household income.
An employer may not know an employee's household income, so the employer can avoid the penalty if the employee's share of the premium for employee-only coverage doesn't exceed 9.5 percent of their wages for that year as reported on the employee's W-2 form.
For employers who don't offer insurance, the annual penalty is $2,000 per full-time employee, excluding the first 30 employees.
An employer can face a $3,000 penalty even if it offers insurance. That can happen if the coverage would cost the employee more than 9.5 percent of his or her income, and if the employee opts not to buy it through the group plan but through the exchange, and then receives a credit based on income and family size.
A health plan must pay at least 60 percent of the total cost of medical services for a standard population.
WHAT EMPLOYEES NEED TO KNOW
In Georgia, employees can use the website, HealthCare.gov, to apply for coverage, compare plans and enroll. Individuals can apply as early as Oct. 1, 2013.
Individuals can learn about types of health coverage and research questions before open enrollment begins Oct. 1, 2013. Coverage can start as soon as Jan. 1, 2014.
If someone can afford it, but doesn't have health insurance coverage in 2014, the person might have to pay a fine. The person also must pay for all of his or her care.
The fine in 2014 is 1 percent of annual income or $95 per person for the year, whichever is higher. The fine increases every year. In 2016, it is 2.5 percent of income or $695 per person, whichever is higher.