Federal law mandates certain requirements for the administration of health plans in the non-group market. Because Massachusetts is the only state in the country with a merged small group and non-group market, these requirements also apply to small group plans. De-merging these markets would benefit small businesses by ensuring that they will not be unnecessarily burdened by certain policies that were intended to apply only to individual health plans. Separating these markets would have a positive impact on health care costs for Massachusetts small businesses at a time when these pressures continue to rise. Demerging the small group from the individual market will provide rate relief to employers of 50 or fewer. Further, when the ACA requires community rating for employers of 100 or fewer, they would also benefit.