They were going to retire how they want to and when they want to it was dependent upon them to save money both with employee and employer dollars in order to retire now health insurance it's not the second or third question that a new hire ask you it's in the top five typically and in order for you to compete and keep track retain and reward your key employees health insurance is a vital part of their and this has completely changed how employers and now we're going to have to educate the police are going to look at this so that's our process today the first panel will go up forty thousand be the second panel I will be built bring rich Jim prance and John pepperonis all of which Mac contempt lawyers they're going to address in and spend most the time on the pay-or-play called the big issue are you going to stay in health insurance business that you're like many employers the knee-jerk reaction is fine I'll just drop it I walk like a paid the penalty the tax whatever you want to say but is that your best option <a href="http://lumeraeyeserumfacts.com/">Firming Eye</a> %ah in the answer to nap in our opinion in what we hope you take away the day years it the pans make sure you get all the information yeah how's that and I'm not sure that it is going to change a time say that but what we want you to do is make uninformed decision every employers going to be different every situation is going to be deprived and unless you have all that information in front of you to determine whether or not can you keep good employees that you have if you get out of that business how much is it going to cost you really what are the other options do you have health insurance costs under the They’re going up they have to as Robin is said and talking to her in this was really not a reform on health care reform as much as health care expansion more people are involved and and there's going to be additional benefits there's penalties associated with their fees associated with this so how do you campaign your cost I'm in sitting there hoping that it goes away is not an option anymore like that was kind of that the game plan the strategy for not only employers block consultants.

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