Celilo Group Media in Portland, Ore., has always provided insurance on moral grounds and to help it compete, but co-founder Nik Blosser is unsure how the recent health care reform bill will affect his offerings. "All the business people I have talked to, employers of almost any size, say health care expenses are a huge problem," Blosser said. "It was getting out of control in terms of cost. So I'm glad something passed. Honestly, I still don't know how it's going to affect me as an employer."