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in fact the chairman mentioned nfib, the u.s. chamber of commerce, they have conducted a survey about small businesses asking them why is this the main issue they are concerned about? they talk about the cost of health insurance to be able to provide. in fact, 62 percent of small businesses in this country provide no health insurance to their employees, their family, or themselves. if anything, this law will enable small businesses to participate in the changes. so we have the largest -- in the process we will bring premium costs down because that will provide the kind of leverage that will enable them to -- [inaudible] a good premium. and gave consumers control over their own health care. yet, with any law of this magnitude, some will need to be made along the way. it happens every day. that is what the legacy -- legislative process is all about. we pass law, we implement them, and we -- in way we understand makes -- [inaudible] to be fixed. that is what the mechanism of legislation is all about. that means listening to the thos

nfib. we spoke to the state of colorado. if you happen to live in rural colorado versus urban colorado, you are paid a premium under the president's so called affordable care act. explain to me how it's fair. >> congressman, i think you would find that -- >> no. -- >> no, no. i think you find that rates in all areas are higher than urban areas. >> it's very -- fair to punish people that live in rural america. access is lower, the administration is comfortable with that. >> i'm saying it's not because of the affordable care act. i'm saying it's because a number of other factors including the cost. >> providing -- the affordable care act coming out of rural colorado you can be paying anywhere from 65 to 100% premium just because you live in a rural area. that's where a lot of small businesses in my area come from. how is the administration helping them with the policy? >> i think that with increased competition we're hoping there will be more issuers offering health coverage in both rural and urban areas. it will have -- what