I retire with a smile on my face, in good health, and ready to spend autumns at my kids' games instead of my own. I'm excited to start the next chapter of my life.

The majority of Americans receive health insurance coverage through their employers, but with rising health care costs, many small businesses can no longer afford to provide coverage for their employees.

Skyrocketing insurance premiums are debilitating our Nation's health care delivery system and liability insurers are either leaving the market or raising rates to excessive levels.

In turn, more physicians, hospitals, and other health care providers are severely limiting their practices, moving to other states, or simply not providing care.

American families, families back home in Minnesota, know only too well that out-of-pocket expenses for health care have been rising at an astonishing rate.