Summary 1

The Role of Small Businesses in Health Insurance Coverage 3

Health Plan Options for Small Businesses  12

Enrollment by Segment in the Small-Group Market  20

Premiums 24

Considerations in Regulating the Small-Group Market 26

Appendix: Data Sources and Methods for Analysis of Market Segments 27

List of Tables and Figures 34

About This Document 35

Box

 1. Common Features of Small Businesses’ Health Plans  7