In many states, small group insurance has group health underwriting, so if the small group has a bad history of claims, the insurance can be very expensive.

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There is no health underwriting for the group.

FORBES: Obamacare's Small Business Health Insurance - Is Delay Another Tactic To Remove Employers From The Market?

Talented employees want to work for companies that offer health plans: Buying health insurance on their own in the open market is usually far more expensive because UnitedHealth Group, Aetna and other big insurers prefer to spread their risks underwriting large groups.

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