I manage a small nonprofit agency which serves victims of domestic violence and sexual assault. Several years ago, we had to sue our health insurance carrier and local insurance agent when the insurance provider stopped paying employees' claims. Today, we have another much more expensive plan for full-time employees. Premium costs increase by 10% - 11% each year despite the fact we have had no employees with costly medical procedures or lengthy illnesses. The only way we can afford the coverage is to purchase a policy with a high deductible, $2,500 per year. We pay 80% of the employees' premiums for employee only coverage. Employees must pay 100% of the cost of dependents. To date, no employee has opted for dependent coverage due to the cost. Currently (and thankfully), several full-time employees decline coverage due to being covered by a spouse's plan. If all eligible full-time employees opted for the coverage, we would either not be able to offer health insurance or would have to reduce the employer's contribution to the point that employees could not afford to pay their portion. We must hire more part-time than full-time workers and keep their hours below 29 hours per week because we cannot afford the cost to insure anymore full-time workers. Our full-time employees typically earn $19,500 - $21,500 per year starting wage, we cannot increase wages and still afford health coverage. We have federal funding in the form of a grant to provide services to victims to promote employment skills training to enable victims to obtain higher paying employment and self-sufficiency. Sadly, we cannot provide the same type of wages and health insurance for our employees that would hope the victims we serve will one day be able to obtain. All small business, non-profit and for profit, need relief.