A health-care tax credit is supposed to help small companies, but it’s so confusing that many owners will forgo about $20 billion over 10 years, according to the Congressional Budget Office, CNNMoney reported. The tax credit is part of the Patient Protection and Affordable Care Act of 2010 and is supposed to help small businesses as they deal with the health-care overhaul. Companies eligible for the tax credit are those that have 25 workers or fewer, pay average salaries of $50,000 or less and cover at least half of employee health insurance premiums. However, it has become an accounting odyssey few business owners are willing to take, CNNMoney said.