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Although small and mid-sized businesses may lack the resources of their larger counterparts, they face many of the same issues in recruiting and retaining qualified employees.

"It's a challenging time for smaller employers," according to a report from eHealth. "Most said it's harder to find good workers today than it was three years ago. While some simply can't afford it, offering group health insurance helps many to hire and retain quality employees. Unfortunately, health benefit costs are increasing, and many employers may soon reach a breaking point. A relatively modest increase in costs could make it impossible for them to continue offering health coverage to workers."

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