Fifty-eight percent of small business owners in a recent Small Business Association of Michigan survey said their company health insurance rates went up this year, compared to just four percent who said that their rates went down.

Nine percent reported no change in their rates. Six percent didn't know if their rates had changed and 23 percent said the question didn't apply to them, presumably because they don't carry health insurance.

SBAM's November 2013 Small Business Barometer survey of nearly 1,000 entrepreneurs found that only three percent of respondents said they took the step of actually eliminating coverage in the face of rate increases. But 19 percent considered dropping their grouphealth plan.

Twenty-nine percent increased deductibles and copay amounts and 27 percent increased the amount employees pay for their insurance plan.