National Federation of Independent Business is not expecting good things to come out of the Affordable Care Act.

"We are not surprised by it. We saw it coming, the way the law is structured. It is math, and it is economics. We looked at it and realized this isn't going to do what it promised to do."

NFIB Michigan State Director Charlie Owens tells WOOD Radio a new survey of over 900 small-business owners and operators from around the country, 64 percent reported that they pay more for insurance premiums per employee in 2013 than they did in 2012 and expect to pay significantly more due to the ACA.

Owens says 66 percent of the business owners said they expect lower profits

"That is if they have profit margins. 48 percent said they would make up the difference in reduced profits by increasing productivity. If they are already very productive, there really is not place they can go."

President Barack Obama earlier this week acknowledged problems with the Affordable Care Act and promised things will get better over time. Owens says many small business owners won't have time to wait.

"They have to deal with the here and now, and not the promises of the future. They are going to cut jobs or have lower profits which means less money for the employees they do have for raises."

Owens says costs of the new health care program could force some small business owners out of business.