According to national polls, Affordable Care Act (ACA) regulations are reducing small business (20-99 workers) pay by at least $22.6 billion annually. In addition, ACA regulations and rising insurance premiums have reduced employment by more than 350,000 jobs nationwide. Small businesses have slowly started shedding jobs and reducing wages. Discussion topics include what do insurance rates really look like under Obamacare? Is the ACA more affordable, or have insurances prices increased dramatically as some people claim?