More small businesses will have to adopt Obamacare’s insurance changes next year, which business groups say could result in higher premiums.

Obamacare required small-group healthcare markets to cover essential benefits similar to those in the individual market. Those include capping enrollees’ out-of-pocket costs and not excluding people due to pre-existing conditions.

Insurers also have to set rates using a single risk pool that includes all enrollees across their small group plans in the state.