Dan Danner, NFIB's vice president of federal public policy, testified in front of the Senate Health, Education, Labor and Pensions Committee against health care policy proposals that increase the cost of health care for small business owners.

The high cost of health care is the number one problem for small business, says Danner. If the committee wants to increase the number of Americans with health-care coverage, it will reject any proposals that would increase costs for small business owners and their employees.

One proposal, the Patients' Bill of Rights, introduced by Sen. Ted Kennedy, D-Mass., would increase liability for health plans and increase the costs of health care by adding mandates.

If these amendments pass, they would have a devastating effect on employers and employees, as well as the health-care system as a whole, says Danner.