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Micro-businesses (small businesses with under 12 employees) are speaking out about health care issues in the coming election.

While they all agree there are problems with the current health insurance system, MarketWatch has posted the results of a National Association of Self-Employed survey that shows no one has a definitive answer.

The small business owners surveyed were almost evenly divided into four camps. Those that want to:

keep everything the same have the federal government require that citizens buy insurance mandate that insurance be paid out of taxes have other choices but haven't devised one of their own

With the cost of running a small business increasing, it's no wonder that these same owners surveyed were also opposed to mandatory small business health coverage for their employees.

An overwhelming majority (83%) hoped that the next president would pass legislation allowing micro-businesses to band together into associations which could buy small business health insurance at discounted rates like large corporations.

Small businesses also want to see actual costs for medical procedures, health care provider ratings, individual medical records, and treatment options posted online for easier access. The candidates and the owners surveyed also agree that malpractice lawsuits, which drive up the cost of insurance, need to be limited.

While the polls are too close to determine the election winner yet, one thing is certain: the next US President needs to shake up small business health insurance reform.