Chairman Vitter and members of the committee, thank you for the opportunity to submit written comments about the challenges small businesses face from Obamacare and choices that Congress must make after the Supreme Court rules in the King v. Burwell case. I am John R. Graham, a senior fellow at the National Center for Policy Analysis. We are a nonprofit, nonpartisan public policy research organization dedicated to developing and promoting private alternatives to government regulation and control, solving problems by relying on the strength of the competitive, entrepreneurial private sector.