the morrow insurance agency in hendersonville..osted the seminar to help businesses know what to expect. sot 12:27 "2014 is when the big portions of the law are going to kick in and there's a lot of things to be aware of." nats 2:05 "if you have common ownership of multiple business entities or employers you may have a situation where those different businesses get counted tooether."the response was off the charts..sot 12:59 "we had about 60 people in the room and we're actually holding an afternoon session because the room was booked, so this is good."the big concern...nats (penalties) 62 "here's the complication, that 90,000 is an excise tax.."the cost to employers.sot 14:46 "employers in america pay 200 percent more for health care today than they paid for it ten years ago and costs have gone, up and up and up and up." smith doesn't believe the health care law will force insurance companies out of business.sot 16:29 "a lot of &pmy work i see carriers, i tal to actuary underwriters, 3 lobbyists, i mean i work with a lot of these