The Supreme Court’s 5-4 decision to uphold virtually all of President Barack Obama’s health care overhaul means the hotly-debated plan can proceed, and affect the way countless Americans receive and pay for their personal medical care.

A big worry for small businesses who were against the health care law was that it would increase their costs.

But now that the Supreme Court has upheld it, some small companies could opt to go a route that will save them thousands of dollars each year.

Under the law, companies with more than 50 workers must provide health insurance that the law defines as affordable, or pay a penalty.  Paying the penalty may be cheaper and some business owners vow to consider doing just that.

Small employers will be forced to decide whether to pay for coverage, accept penalties or find ways to avoid the law.  But with key issues like what the plans will cost still unanswered, many owners still have a long list of questions.