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NEW YORK ( TheStreet) -- Small-business owners are optimistic about 2015, but worry about the dysfunction in Washington and rising health-care costs.

Some 45% of small-business owners think economic conditions will strengthen during the next year, compared with 41% last year, according to Bank of America's (BAC) - Get Bank of America Corp Report annual State of Small Business survey, which polls 1,000 business owners with annual revenue of less than $5 million.

This article is commentary by an independent contributor, separate from TheStreet's regular news coverage.

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At the time of publication, the author held no positions in the stock mentioned.