Doug, age 40, is the owner of a small firm that sells window blinds and cleans carpets. The company provides health urance for seven employees. The wife of one employee has breast cancer and has incurred substantial medical bills, which ulted in a 40 percent increase in health insurance premiums for the company. Doug is not certain that the company can tinue to provide health insurance for the employees because of the substantial increase in premiums. Explain the provision in