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Through the debate on reforming <a href="http://www.youraffordablehealthinsurance.org/">affordable health insurance plans</a> for small businesses, an important piece of information was missing: Policymakers had little data on why only some young companies offer their employees <a href="http://www.youraffordablehealthinsurance.org/">affordable health insurance quote online</a>. Common sense and much research indicate that cost plays a big role in business owners' <a href="http://www.youraffordablehealthinsurance.org/">affordable health insurance temporary</a> decisions. Why do some entrepreneurs choose to incur this cost while others do not?Back in March, Congress passed the Affordable Care Act, which in 2014 will require all Americans to have <a href="http://www.youraffordablehealthinsurance.org/">affordable individual health insurance</a> or pay a penalty. Although many people would now like to put discussion of employer <a href="http://www.youraffordablehealthinsurance.org/">affordable individual health insurance plans</a> behind them, the question of why only some founders of small businesses offer insurance remains an important one. Its answer will influence how much of a role government will play in providing employee <a href="http://www.youraffordablehealthinsurance.org/">affordable individual health insurance policy</a> for years to come.One part of the new law is a set of tax credits and penalties designed to encourage employers to provide insurance.The problem is that for most young small businesses, it won't work.That's the conclusion I reached, based on research I conducted with Alicia Robb of the Ewing Marion Kauffman Foundation.We examined the decisions of founders of young companies on whether or not to offer <a href="http://www.youraffordablehealthinsurance.org/">affordable individual health insurance quote</a>, using information from the Kauffman Firm Survey, which tracks a cohort of nearly 5,000 new businesses started in 2004.The data show that very few new businesses offer employee <a href="http://www.youraffordablehealthinsurance.org/">affordable insurance benefits</a>. Nearly two-thirds of companies with employees did not offer employee <a href="http://www.youraffordablehealthinsurance.org/">affordable insurance company</a> at any time during their first five years of operation. Moreover, only one in five offered insurance to their workers in all of the years.