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"Let me just thank the Supreme Court for not making a ruling today and messing up my presentation," began Kay D. Mooney, as she started her talk Monday outlining various parts of the health reform law now before the nine Justices.

Mooney, a health executive with insurance firm Aetna

"So it's complicated, for sure," said Mooney at the end of her speech. "But it seems that whatever the Court decides, uncertainty about health care is an understatement."

For business owners and HR execs, the waiting continues to be the hardest part. While the possibility of a decision loomed early Monday, it now seems that the justices won't announce a decision until Thursday. Speculation about what the Court will do abounds. Will it strike down all of the health reform law or just parts of it? How much is this all going to cost? When do certain rules go into effect?

What many analysts and experts say is that no matter what happens, some sort of closure is needed on the health-care debate.

"We just want the issue of health care to be settled," says Bill Harris, CEO of Personal Capital, a personal wealth management firm based in Redwood City, Calif.

"As a firm, we don't have to worry so much about health-care costs, but every year we see premiums going up," explains Harris who said he would like the health care bill to stand.

"I just don't want to spend a big part of my day thinking about all this," adds Harris, who has around 50 employees and pays between 6 percent to 15 percent of his business costs on health care.

Many businesses and HR execs are stuck scratching their heads over the 2,140-page bill that has several moving parts and penalties.

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Health-Care Debate: ‘Settle This Thing,’ Say Execs