Q: Will I be able to pool with other small businesses to buy coverage?

You won't be required to provide health insurance to your employees, but if you choose to, new tax credits will make covering your employees more affordable. You will also have access to a new insurance exchange to find the best deal, and the entire process will be simpler.

Q: Will I be able to pool with other small businesses to buy coverage?

A: Yes.

• Beginning in 2014, reform will create state-based health insurance exchanges that pool small businesses and their employees, which will spark competition and give you the kind of purchasing power that big businesses enjoy today.  The exchange will  offer the same types of private insurance choices that the President and Members of Congress will have.  Increased purchasing power and competition will make premiums more affordable.  The exchange will also reduce administrative costs for your businesses and your employees, enabling them to easily and simply compare the prices, benefits, and quality of health plans.