"Enrollment has diminished steadily, but not precipitously, in the ACA-regulated small-group market. This decline continues the trend that preceded the ACA, in part because of employers choosing to self-insure ... [P]remiums ... have increased, on average, at a rate of 5 percent a year, similar to the 4.5 percent average increase in the large-group market. This 5 percent annual increase is much lower than the double-digit annual increases that were common for small businesses in the decade prior to reform."  MORE >>