As President Obama touted a patients bill of regulations rights will lead to the premium increases he says he doesn’t want insurance companies to impose. But health costs and premiums will climb 10-15% in 2011, which is putting small companies in a major bind. If they change insurance policies or even change their existing policy by raising the deductible more than a trigger amount, they won’t be protected from all of the cost-boosting regulations set to take effect in 2014. If they don’t change policies or change their existing policy, their costs increase. Either way, they’re the bad guys.