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Greedy lenders made irresponsible decisions I I% <br /> Improve the economy 7% <br /> Reduce taxes and regulation 5% <br /> 12. Does your lender discuss state,federal, or local programs that may help your business?* <br /> No 60% <br /> Yes 27% <br /> Sometimes 5% <br /> 13. Do you offer employer subsidized health insurance for your employees? <br /> Yes 49% <br /> No 45% <br /> If yes,why?* <br /> Keeps business competitive for recruitment of skilled employees 53% <br /> Moral obligation 44% <br /> To receive a tax advantage 2% <br /> It is required for the industry 2% <br /> If not,why?* <br /> Business is too small to afford it 37% <br /> Business has no employees 14% <br /> Insurance is too expensive 12% <br /> Hires independent contractors 9% <br /> Business provides extra wages to employees to buy insurance 7% <br /> Business has only part-time or seasonal employees 7% <br /> 14. Have you found purchasing health insurance for your employees difficult? <br /> Yes 51% <br /> No 39% <br /> 15.What can the state do to make purchasing health insurance easier for small businesses? <br /> Increase competition between insurance providers 28% <br /> Create a health insurance pool for small businesses 23% <br /> Reduce government interference 12% <br /> Reduce the cost of health insurance 12% <br /> Reduce government mandates 10% <br /> Tort reform 10% <br /> Regulate insurance providers and eliminate pre-existing conditions requirements 4% <br /> Create a single-payer system in Minnesota 4% <br /> Comprehensive health insurance reform 3% <br /> 16.What is the number one thing that the legislature could do to help small businesses succeed in <br /> Minnesota? <br /> Tax reform 54% <br /> Reduce or improve regulations 16% <br /> Increase government lending 13% <br /> Stop government spending 12% <br /> Health insurance reform 11% <br /> *indicates respondents could choose more than one option, or that the question was open-ended <br />