San Francisco businesses face many challenges, including high rents, regulatory burdens, and the rising cost of workers compensation insurance and employee health plans.

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For small businesses, regulatory burdens can be overwhelming.

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The majority of Americans receive health insurance coverage through their employers, but with rising health care costs, many small businesses can no longer afford to provide coverage for their employees.

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Because what happens is, as the economy suffers, tax revenues go down. But unlike businesses, where at least your variable costs go down, in government your variable costs go up: unemployment insurance, workmen's compensation, health care benefits, welfare, you name it.

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Under the AHP approach, the average small business might be able to offer their employees one or two insurance plans, and that employee of the small business would have no idea whether their doctor was going to be a apart of one of those plans.

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We need to increase access to health insurance through Health Savings Accounts and high deductible policies, so individuals and families can purchase the insurance that's best for them and meets their specific needs.

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We designed both our state employee health plans and the one we created for low-income Hoosiers as Health Savings Accounts, and now in the tens of thousands these citizens are proving that they are fully capable of making smart, consumerist choices about their own health care.

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For those that are working part time, in small businesses, or who are unemployed and do not currently have health insurance, we want to make sure that you are covered.

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The result was, of course, that today, tragically, more than 40 million Americans don't have health insurance, and for many, not having health insurance means they don't have access to good health care.

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Truly, the challenges we face are not Democratic challenges or Republican challenges. In fact, they are not political challenges at all; they are fiscal challenges, and educational challenges, and the challenges of figuring out how to take care of each other.

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People are ready to say, 'Yes, we are ready for single-payer health insurance.' We are the only industrialized country in the world that does not have national health insurance. We are the richest in wealth and the poorest in health of all the industrial nations.

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For many Americans, including many who are employed, going to the doctor when they fall ill or become injured may not be an option because of the absence of health insurance.

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Most illegals are without health insurance, and when these workers need emergency healthcare, the American taxpayer gets stuck with the bill.

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It puts the provider in a situation of looking for ways to have someone else pick up a piece of the cost. As a result, every customer who has insurance ends up paying a 'hidden premium.' It simply adds to the health care cost burden.

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Each State has its own health insurance mandates, and some of them are good, but there are about 1,800 of them all across the Nation, including provisions for acupuncturists, massage therapists, and hair replacements.

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The major economic policy challenges facing the nation today - pick your favorites among the usual suspects of low public and household savings, concerns about educational quality and achievement, high and rising income inequality, the large imbalances between our social insurance commitments and resources - are not about monetary policy.

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Everyone should have health insurance? I say everyone should have health care. I'm not selling insurance.

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One of the major goals of health insurance reform is to bring down the cost.

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When I came to Congress, like our first panel, small business people, 64 percent of the people had health insurance. We'd buy it. Now, we're down to about 34 percent. That's why we have to do something on health care in this country because the cost is killing us.

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Our employers today face numerous challenges and stiff competition from businesses all over the world.

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