I guess if you have a union shop, you may have this issue somewhat covered except for your non-union personnel. Non-union shops and non-union employees at union shops have options and will be best served by encouraging a consumer-oriented approach with incentives for doing so. Some studies indicate that a pretty good percentage of employers will take a hard look at the exchanges.
No matter how you look at it, health care remains a major headache that requires professional help to help you deal with it.
While we are on the subject, it may pay to investigate how the unions plan to fund health care. Or for that matter how well is the pension funded? Detroit had some of its pension funded but not a nickel put away for promised health care coverage. Since this whole recent union funding situation unfolded, I think it is a reasonable request to see how your benefits are managed.
The three topics we covered here can be ignored at your own peril. There is not one business owner I know who wants to pay more interest or taxes than they have to and more health insurance payments than they need to.
You all have a good idea how to make money in your business because you understand how it works. But when it comes to banking, taxes and health insurance, you are out of your environment. So get some help and do it right.
I will keep you informed about the tax changes coming your way.