Small employers face significant challenges in providing health insurance to their employees. This paper reviews these barriers to purchasing coverage and examines the implications of the House of Representatives' and the Senate leadership's health care reform bills for small firms and their workers. Health insurance exchanges, insurance market reforms, and subsidies for the low-income can be expected to produce substantial improvements in the ability of small employers and their workers to obtain affordable coverage. In addition, the authors demonstrate that neither bill imposes substantial new financial burdens on small businesses.
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