Our country’s small and mid-sized businesses owners and their employees make our economy run. We are both former small business owners, and we understand both the long hours and financial pressures facing entrepreneurs looking to get their business off the ground, as well as their commitment to providing a positive working environment for their employees. The Americans powering our small businesses are our family, our friends and our neighbors, and they deserve common-sense solutions to the challenges they face.

A Medical Loss Ratio (MLR) is a calculation used to loosely gauge the efficiency and profitability of a health insurance plan. The measurement determines what portion of the money consumers pay in premiums is spent on providing health care services or improving the quality of care delivery. A higher MLR is thought to indicate a higher quality insurer because a larger portion of the company’s funds are spent on providing care. However, this is not necessarily the case if an insurer succeeds in keeping a healthier-than-expected risk pool.

Between the end of March and the end of June, 29 states plus the District of Columbia lost Obamacare enrollees, based on an Americans for Tax Reform analysis of recently released data from the Centers for Medicare and Medicaid Services (CMS). In total, Obamacare exchanges had a net loss of 238,119 enrollees in the three-month period.

Congress has less than a month to make a small fix to Obamacare that could have a big impact on small businesses.

A bill that has been introduced would enable a state to decide whether to expand the definition of a small group health insurance market. It may not seem like a big deal, but lawmakers say the slight change could have a big impact on premiums for more than 3 million employees.

About 9.9 million people got health insurance coverage through the marketplaces set up by the Patient Protection and Affordable Care Act as of June 30, a decline from earlier in the year though still higher than the Obama administration’s target.

According to a Sept. 3 report by Anna Wilde Mathews of the Wall Street Journal, Pittsburgh-based Highmark Health announced it will cut back its range of plans offered through the ObamaCare marketplaces.

Obama-era boondoggles operate on a far grander scale. Consider the massive 2009 “Stimulus” package and all those “shovel-ready” jobs that never materialized. Or the $536-million loan guarantee for Solyndra, shortly before the solar power company went belly up.

The price of the most popular health plans sold through Maryland’s insurance exchange will jump, on average, by about one quarter next year, fueling questions about whether coverage under the Affordable Care Act will remain affordable in the state and elsewhere.

The 26 percent average increase in monthly premiums are for CareFirst plans, which cover three-fourths of the state residents who have bought insurance under the federal health-care law. The price jump, scheduled for January, is among rate changes that the state’s insurance regulators have approved for plans sold to individual families and small businesses.

The Affordable Care Act (a.k.a. Obamacare) is replete with bad policies. The so-called Cadillac tax is not one of them.

The tax, which would impose a 40% charge on the value of any employer-provided health insurance above $27,500 for a family, is set to be imposed in 2018. Politicians on both the left and the right have set their sights on repealing the provision. Several Republicans recently announced they would be introducing a bill to repeal it shortly after Congress is back in session, and they hope to bring it to a vote by year’s end.

Insurers have asked for double-digit rate increases for nearly 1 out of every 3 Obamacare plans that will be sold on HealthCare.gov for 2016 coverage, according to a new analysis.

And in three states—Delaware, South Dakota and West Virginia—every plan sold on HealthCare.gov is asking for 10 percent or more hikes in the prices of their premiums for next year, AgileHealthInsurance.com said in its report.