November is the time of year when most workers can elect to change their participation in the health care coverage offered by their employer. As health care costs continue to rise, it's a decision that's more important than ever before. We talk with two small business owners, Marva Allen, co-owner of Hue Man Bookstore in Harlem; and Walt Rowen, owner of Susquehanna Glass in Columbia, Pa., about how their employees are getting squeezed by changes beyond their control in the plans that they offer. We also talk with Takeaway contributor Beth Kobliner for advice on what people should consider when getting a plan at work. (Read the chapter on choosing health care plans at work from Beth's book, 'Get a Financial Life,' excerpted here.)

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