The Affordable Care Act (ACA) has been engineered to expand job based coverage to small businesses. 180 million people get health insurance where they work yet 50% of small employers DO NOT offer coverage to their employees. The (ACA) provides a program that can efficiently serve the vast majority of these working Americans in the mainstream of economic life. The (ACA) provides the facility for small businesses struggling to offer job-based coverage to do so giving access to plans of group insurance to millions of their employees. This program is called the Special Enrollment Period (SEP) for Small Business. It is time to expand the (SEP) from its current 30 day period to 90 days.