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Mrs. Sebelius said small business owners will be able to choose from a variety of plans in 2014, but a second-phase option that allows employers — if they choose — to offer an array of health plans to their employees will be delayed for one year among the exchanges that will be run by the federal government.

Mrs. Sebelius said the delay was based on feedback from insurers, who faced implementation hurdles in getting their plan options ready by next year.