Note: Be sure not to infringe on employees rights under Section 7 of the NLRA. Section 7 is about employee rights to self-organization and collective bargaining and also allows for employees to discuss things with each other, such as wages or other working conditions.

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The National Hockey League has a unique penchant for self-destructiveness in the way it conducts negotiations for a new Collective Bargaining Agreement.

FORBES: NHL On the Way To Self-Destruction

And that will mean it's not just you bargaining with insurance companies, it's you and many other small business owners and self-employed individuals all across the country.

WHITEHOUSE: President Obama Explains Why Health Insurance Reform is Crucial for Small Business | The White House