Rep. Greg Ganske, R-Iowa, co-sponsor of a patients bill of rights bill that would increase the cost of health care for small business owners, criticized an advertisement run by the Health Benefits Coalition, an organization dedicated to market-based reform of the health care system.

The Health Benefits Coalition, headed by NFIB Vice President of Public Policy Dan Danner, responded to Ganske's charges that the proposed legislation wouldn't raise costs by 4 percent, or an average of $226 for an average American's premiums in the first year.

In fact, most of the 4 percent premium increase that CBO predicts can be expected to occur very shortly after Congress acts, not over 10 years, says Danner. Most of the provisions would go into effect soon after Congress enacts the legislation.