Health care costs have climbed rapidly in recent years and some research suggests small businesses in particular have felt the brunt of rising premiums, Diana Ransom writes. Small firms are paying an average of $1,121 per individual employee in monthly premiums, according to a report from the National Small Business Association. Other research has yielded different results, but the point is "employers must ask whether they're doing their employees a disservice by offering health insurance -- particularly when they might access better coverage on their own through the new health-insurance exchanges," Ransom writes.

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