Urban Institute/Robert Wood Johnson Foundation: What Would Health Care Reform Mean for Small Employers and Their Workers? - "Small employers and their workers face a broad assortment of barriers to obtaining health insurance coverage today," such as "high administrative costs, limited ability to spread health care risk, and a low-wage workforce." The authors conclude: "A health insurance exchange, such as those proposed in the House and Senate bills, along with insurance market reforms would spread health care risks and reduce administrative costs...
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