If you own or run a business, you are well-aware that ever-increasing health care costs eat away at more and more of your bottom line each and every year. The prospect of Obama Care taking effect has done little to assuage worries about costs, and since most of the law doesn't take effect for years it will certainly do nothing to relieve your immediate cost problems. Here are some active steps you can take that will reduce health care cost right here and right now before your company drowns.

--Get the weight down: Many health-related claims are directly linked to the problems with overweight and obese workers. Reducing the pounds in your workforce will directly affect your health care costs in a positive way. Many companies hire businesses that run corporate weight-loss programs with built-in incentives for employees who successfully participate. It's a great place to start.

--Keep shopping: Due to the current attention being focused on health care in this country, insurance companies are fighting for their lives. Now is the time to shop around for better rates if you haven't already. Contact your broker if you have one, and tell him that now is the time to find you lower costs: after all, it's his job. If switching companies is not an option, you may want to consider reducing coverage instead.

--Go with HSAs: Health Savings Accounts are a more cost-effective way for small businesses to survive in this economic climate. Employer contributions are tax-deductible, making HSAs extremely attractive options. Yes, it puts more of the cost burden on employees but if it means the difference between staying in business and closing up shop it could be a lifesaver.

Reducing health care costs is a never-ending battle. Remember, helping your employees get and stay healthy is still the best solution for saving big bucks.