Obamacare driving down health insurance costs for small businesses in Washington Kaiser Permanente, one of four insurance providers registered to sell to small firms on DC Health Link, is the most recent to drop its rates, lowering premiums by 4.4 percent. The company "worked with the Insurance Commissioner and the DC HBX to ensure our 2014 premium rates are as consumer friendly as possible," Kaiser spokesman Won Ha said in an e-mail. We believe all residents should have access to high-quality, affordable care, and our adjusted rates reflect that. United HealthCare previously dropped its rates by more than 10 percent, and then again by about 5 percent, while Aetna has lowered its prices by more than 5 percent. Carefirst is the only provider that has stuck with its original rates. "These lower rates are more incontrovertible proof DC Health Link is already bringing competition to the insurance market," William P. White, the city's commissioner of the Department of Insurance, Securities and Banking, said in a statement. The District's exchange isn't the only in which prices are falling. The Department of Health and Human Services recently evaluated proposed insurance premiums in 11, reporting that prices for small business plans in those states have come in an average of 18 percent lower than the premiums employers were paying prior to the Affordable Care Act. "The results strongly suggest that greater competition and transparency are leading to substantial benefits for both consumers and employers in these markets," officials wrote in their report. It is a sorely needed sign of progress for the health-care law, which has been riddled with setbacks in the past few months, particularly with regards to its provisions for employers. In April, the administration announced it would delay for one year a requirement that business owners be allowed to choose different plans for different workers through the health insurance exchanges, a feature meant to provide added flexibility and help drive down costs for employers. More recently, officials announced they would also delay what it known as the "employer mandate" part of the law until 2015 by not penalizing firms with more than 50 employees that do not provide adequate coverage to their employees. Republicans and other critics of the law have latched on to both postponements, pitching them as evidence the legislation is not working as intended and should be overturned before most of its key provisions set in at the end of this year. Mila Kofman, the executive director of the DC Health Benefit Exchange Authority, suggested the opposite, noting the plummeting prices in the the nation's capital show the law's promise. "It is exciting to see that insurance companies in the District are already aggressively competing for business through the online marketplace," she said.