In this Wednesday, Oct. 17, 2018 photo, Melissa Perlman, owner of BlueIvy Communications, a public relations and communications agency, poses for a photo in Delray Beach, Fla. Perlman hasn’t been able to afford insurance for her staffers since starting her public relations company, BlueIvy Communications, in 2011. She’s interested in the potential association health plan, or AHP, being considered by the Greater Delray Beach Chamber of Commerce; the southern Florida group recently began surveying members about their interest in an AHP. (AP Photo/Wilfredo Lee)
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