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Small businesses are seeing huge rate increases every year, and more and more of them are saying they just can't afford to provide coverage. That's part of the reason more than 45 million Americans are now uninsured.

Competition among insurers would bring down the cost of health care insurance, just as it brings down the cost of car or homeowners insurance.

Fewer jobs, at lower pay. That's what Obamacare means.

The majority of Americans receive health insurance coverage through their employers, but with rising health care costs, many small businesses can no longer afford to provide coverage for their employees.

The more generous the benefit, the easier you make it to stay on unemployment insurance, and the less incentive there is for people to actually go out and do what it takes to get a job.

Unfortunately, the health care bill commonly referred to as ObamaCare is making it more difficult for employers to provide insurance to their employees. It limits individuals' ability to pick their own doctors and, over time, decreases the quality of care we provide in this country.

Because of the Affordable Care Act, millions of Americans finally have the security that comes from quality, affordable health coverage. And, millions more have better, more reliable coverage than ever before.

I understand that in these difficult economic times, the potential for any additional expense is not welcomed by American businesses. But in the long run, the health insurance reform law promises to cut health-care costs for U.S. businesses, not expand them.

With the loss of Free Choice Vouchers, hundreds of thousands of workers will now be forced to choose between their employers' unaffordable insurance or going without health care.

Here's where the insurance companies really fail us. They over-pay hospitals, specialists and drug companies and then raise premiums to cover the costs. Further, when they pay hospitals 115% of what it should cost to care for a patient, they are paying for inefficiency that can be dangerous.