Health-care reform is a business risk, and regardless of whether you believe it will exist in its current form, be modified, or go away altogether, from a prudency standpoint HR, finance, and senior leadership need to be thinking about it from a scenario-planning perspective. In many companies health care decisions are made in silos driven by benefit agents advising HR. This has more to do with shifting health care costs to employees rather than managing risk. We recommend HR work with finance and senior leadership on a 5 year benefit strategy with wellness initiatives designed to get buy-in at the company’s highest levels. This dovetails nicely with health-care reform.