The tax credit for their small business will increase to 50 percent of premiums and would last for two years.

State law requires that the reserves be 7.5 percent of premiums.

Most employers would be required to pay 80 percent of average premiums.

One study put the savings at about 30 percent of typical premiums.

Over all, employers pay more than 70 percent of such premiums, the association said.

It is based on 60 percent of average premiums for the six biggest health plans.

That is 5 to 10 times more than workers pay at Sprint, which covers 90 percent of premiums.

For 1992 they were 7.5 percent of premiums and are projected to be 6.9 percent in 1993.

Only 50 percent of premiums charged by private insurers go to medical and financial benefits for injured workers.

Average small group commissions range from 2 percent to 8 percent of premiums.