Changes

Furthermore, while the cost of health care insurance premiums and plans have assuredly risen post-ACA, health insurance premiums had already been increasing because of rising health care costs, and small businesses had been facing higher premiums than larger firms, for many years prior to the act's enactment [http://obamacarefacts.com/obamacare-small-business/] [http://jhppl.dukejournals.org/content/36/3/539.short]. </onlyinclude>

=='''How the ACA really affects small businesses'''==