If the Affordable Care Act providers deliver what they seem to promise, it's tremendously helpful to small-scale entrepreneurship. Pre-ACA, once you had a family with any health claim history it became increasingly difficult, expensive and invasive to obtain individual health insurance. In some states, maternity coverage was not offered in any usable form. In short, the system was heavily in favor of being a slave to any company large enough to have a group plan. Not only does the ACA makes it easy with its "no questions asked" approach, pricing is 30-50% less than the real cost of similar pre-ACA products. Also, if you have a slow business year, you can get a substantial premium refund via the tax credit, making insurance no longer a primary reason to "get a job."