they are the tiny start-ups with big ideas, hoping to become the next global -- google our apple or hpght now, they are being crushed by skyrocketing health- care costs. because unlike the bargaining power that large businesses have and face hiring administrative cost per person, small businesses pay up to 18% more for the basic same health- insurance plans, cost that eat into their profits and get passed on to the employees. as a result, they are much less likely to offer health insurance. those that do tend to have less generous plans. in a recent survey, one-third of small businesses reported cutting benefits. many have drop coverage altogether. many have shed jobs or shut their doors entirely. this is unsustainable and unacceptable. it's going to change when i sign health insurance reform into law. under reform plans in congress, small-business is will be able to purchase health insurance through an insurance exchange, a marketplace where they can compare the price, quality, and services of a wide variety of plants, many of which will provide better coverage at lower costs than the