The new health care law may raise insurance premiums for 11 million small business employees and lower rates for 6 million others. That's an estimate from a report by the Centers for Medicare & Medicaid Services, part of the Department of Health and Human Services. The report says higher rates are partly due to the law's requirement that premiums can no longer be based on a person's age. That has sent premiums higher for younger workers, and lower for older ones. The estimate is far from certain, partly because many small businesses renewed their policies in 2013.