I'm sorry to hear Regretful that you're having headaches with the system. Hopefully, all will be easier as time goes on. I too was a small business. I provided health insurance for my 10 employees because I feel insurance is important. It was no big deal for me and I was happy the business could afford to do it.

I'm now retired from healthcare and on Obamacare. I love it. It's affordable insurance, it covers well and prior to this I had been in a Cobra junk policy that covered nothing and had a $20,000 deductible.... for the low, low cost of $750/month. My Marketplace insurance covers mental health very well. It's a Godsend.

Hang in there everybody. Good things are coming. I can't post a link here yet but I found a great article on the effects of the Affordable Care Act on mental health and it's heartwarming. Google this:

ACA Opens Doors For Bold New Ideas In Mental Health Treatment

Peace