Californian Casey Coonerty Protti says she has continually had to cut back on health care benefits for her employees at Bookshop Santa Cruz as costs have soared. She's curious to see if the state insurance pools will help lower rates for small businesses like hers, noting that the large multinational competitor down the street can offer the same coverage at much lower cost because they have many more employees. "I can't imagine making the decision to stay in business and not offer insurance, so if we can't afford to pay for employee health insurance, we'll have to decide whether we can afford to stay in business at all," she writes.

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