Incen­tives are low, some of the states only have one car­ri­er, rates are not nec­es­sar­i­ly all that low, net­works are being cut, and the small group tax incen­tive is sel­dom used – much as it has been sel­dom used since it was first allowed in 2010 with the pas­sage of the ACA.  “even if the process was auto­mat­ed on the web­site, it still wouldn’t be appeal­ing because of the port­fo­lio” says a spokesper­son from the Nation­al Asso­ci­a­tion of Health Underwriters