Even as you finish with this year's taxes, if you're a small-business owner experts say it's time to look ahead to 2014, when the tax implications of the Affordable Care Act (ACA) begin to kick in.

"Just now, things are really sinking in that there is this employer responsibility," said Amanda Austin, of the National Federation of Independent Business.

Under ACA, often called Obamacare, employers with 50 or more full-time workers face a mandate to provide insurance. It's known formally as shared responsibility.

Most large employers don’t expect to send their full-time employees to government health exchanges for insurance during the next five years, but some retirees and part-time workers will end up there, a new survey has found.

The outlook for corporate insurance in the long term is less certain.

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