Bill fuels debate over health insurance for small businesses. (Arizona small-group health reform bill)

More and more insurance companies are beginning to accept the idea of providing health insurance to medically uninsurable employees of small businesses.

However, not all small businesses are completely sold on the idea. And some insurers would consider pulling out of the Arizona market if forced to provide coverage to the medically uninsurable.

"I think that Golden Rule, along with a lot of small carriers, are going to look very carefully at their ability to stay in business in Arizona," says Dorothy Thorson, public policy specialist for Indianapolis-based Golden Rule Insurance Co., which writes a small portion of small-business health insurance.

Members of the Arizona chapter of the National Federation of Independent Business are more concerned about affordability than accessibility, says Timothy Mooney, state director of NFIB. "Our concern is that those two things are mutually exclusive," he says. "The …