 on your insurance coverage. This will bring that cost down for businesses, which is great for any size business, but especially small businesses who right now really can't afford to cover health insurance for a vast majority of their employees. Employees may contribute up to 2%, so the employers are allowed to delegate a portion of those costs. They're also allowed to keep them. They can, as a benefit of employment, say, we want to be the best place to work, so we're going to cover this 2%.