I am find so many individuals and employers are ‘waiting’ to see what pans out with exchanges and healthcare reform later this year. I say ‘why’? Although I am not a fan of Obama Care it is here to stay. There is no need to wait other then to cause more grief to try to get things done in a shorter time frame. Address it now. Get ahead of the curve to better prepare yourself/employees. You don’t need the exchanged to put coverage in place. You can and will get the same tax credits/subsidies when available thru your broker. And he will provide better information – consistently – then exchange employees.