Some small-business owners -- even those who are not bound by the employer mandate -- say they are feeling the effects of the new health care law. Offering health care coverage can be a good way for businesses to find talented employees, but some company owners are considering dropping coverage rather than accepting rate increases. The Affordable Care Act is causing insurance companies to raise rates because it imposes a new tax and requires that health plans provide certain core benefits, according to Kelly Wage, marketing director for Blue Cross and Blue Shield of North Carolina.

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