miss melanie howard of pellham, alabama, raised this point when discussing the idea of -- when askedof receiving cadillac health care. she spoke to me of the small nonprofit which had to raise premium prices, mr. president, to offset a few workers who were battling cancer. in effect, she was paying for a cadillac, but still just getting a basic car. because of the taxes based on cost of coverage and not quality and breadth of coverage, many americans could fall into this category. i believe it's simple -- it's a simple actuarial fact, mr. president, that smaller risk pools result in higher premiums. thus small businesses, such as mr. howard's employer, are, naturally, going to bear the brunt of this new conceived cadillac health insurance tax. mr. president, as taxes increase to pay for the public option, so does the cost of premiums on health care plans. the congressional budget office analysis on premium impacts estimates that family premiums, mr. president, would increase 28% from $11,000 per family to over $14,000 per family by 2019. this is more than a $3,000 increase per family