If you stacked regulations up, they would be about 5 feet tall, and there are so many regulations for small-business owners that half the time when they break regulations, they don't know they are doing it.

Each mandate doesn't cost very much necessarily ... but when you add up 49 mandates, the aggregate cost is pretty high.

It gets tough when you try to tailor-make a plan for every single person, but at the same time we are paying for things we never use. Right now, it is kind of a one-size-fits-all approach, and from a consumer standpoint, someone who purchases health insurance, that doesn't go a long way in curtailing health-care costs.