Owners of small businesses need more information about health insurance, according to officials at the National Association of Insurance Commissioners.

The NAIC, Kansas City, Mo., recently commissioned a survey of 500 small business decision makers

One-third of the participants said they cannot afford to provide health coverage for employees, and 64% said they are not confident about their ability to pick a health insurance policy that fits their budgets and their employees’ needs, officials say.

Only 27% said they understand all the factors that affect small group health premiums, and 60% said they are not confident that they understand the tax implications of paying for a portion of their employees’ health insurance premiums.