I believe insurers should be mandated create a small business plan that co-ops small companies together providing comprehensive care for all. Then let the insurance companies compete with each other to keep plans affordable and competitive. The more premium payers the lower the premiums for everyone. And business should be allowed to write off the premiums they pay (if any) for employees from their taxes. And employers should be able to have their hearth care pre tax just like employees of big companies do. This would also allow small business to better compete with larger companies on labor cost and retaining employees.