Ron Nelsen used to cringe when one of his five employees got sick. The owner of an electric garage door company in Las Vegas, Nelsen knew he'd pay for it when insurance renewal time rolled around. "I'm ashamed to say it, but I would just have this sinking feeling in my gut."

Nelsen is part of what should have been one of the ripest markets for Obamacare. Small businesses have been clamoring for changes in the small policy market for 30 years, according to surveys conducted since 1986 by the National Federation of Independent Business. The cost and difficulty of insuring their workers topped the businesses' list of concerns in every single survey. Not even taxes came close.

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