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When analyzing the effects of the Affordable Care Act (ACA) on small businesses in light of the status quo and general trends of the health insurance market, it seems unlikely that the bill will turn out to be the job-killer or enemy of small business it was predicted to be. Although insurance premiums and deductibles are likely to rise, they have not had detrimental effects on economic growth in recent years. Ex-Congressional Budget Office (CBO) Head Douglas Elmendorf, who chaired the office until 2015, said in an interview with the Bloomberg Bureau of National Affairs (BNA) that the “ACA has not seen the kinds of increased costs and disruptions in the insurance market that critics had feared.” [http://www.bna.com/excbo-chief-elmendorf-n17179927007/]