When it comes to health insurance, working for a small company often means making do with less than employees get at big firms.
Small companies offer coverage less often. Even when they do make it available, it may cost more and be less comprehensive. One reason: Small employers just don't have the bargaining clout with insurers that larger firms have.
When Christine Rowan gave birth prematurely in August, her new baby was having problems breathing. So Rowan brought her daughter, Zoe, to the Children's National Medical Center in Washington, D.C., for genetic testing.
"It's funny because when we first had the testing done, we didn't even really think about the fact the testing was going to lay out all of her DNA," says Rowan, 32, who lives in Northern Virginia.
But while Rowan and her husband were waiting for the results, questions started popping into their heads.