8 pages. Excerpt: The stated purpose of S. 1955 is to amend [ERISA] and the Public Health Service Act to expand health care access and reduce costs by creating small business health plans (SBHPs) and modernizing the health insurance marketplace. While this letter focuses on the potential effect on the small-group market as defined by [HIPAA] (2 to 50 lives), we have tried to consider how it affects the individual market, without reference to specific states or their laws.