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Rose Corona, owner of a farm and feed store in Temecula, Calif., decided to hold off offering coverage to her 34 employees when Mr. Obama started talking about reforming health care because she feared his plan could end up making plans more expensive.

“You have to have some certainty about the costs of your business, and I think that’s what this comes down to,” Ms. Corona said. “I have to keep this business running, and we have to control our overhead costs.”