The Affordable Care Act differentiates between businesses on the basis of whether they are deemed “small” or “large.” It is important for businesses to follow the regulations precisely to determine into which category they fall.

DETERMINING WHETHER A BUSINESS IS SMALL OR LARGE BASED ON CALCULATION OF 50 OR MORE FULL-TIME EQUIVALENT EMPLOYEES:

Visit ADP’s and Aetna’s explanations at:

Use Paychex’s calculator to estimate your company’s number of FT Equivalent employees:
http://www.paychex.com/health-reform/resources/esr-calculator.aspx

Here are the rules for determining an employee for Full-Time status under the Affordable Care Act and determining which employers are subject to shared responsibility provisions.

HealthCare.gov, a website created by the U.S. government, includes a comprehensive review for small businesses of the Health Insurance Marketplace, enrollment, determining small business versus large, tax credits, coverage, FAQ, etc.:
https://www.healthcare.gov/small-businesses/

DELAY announced March 5, 2014 permitting individuals and small groups to keep plans that don’t comply with the minimum standards requirement of the Affordable Care Act. Insurance carriers and state commissioners will determine which of these plans to continue. This extension will expire October, 2017.

DELAY announced for some business compliance. On February 10, 2016, the administration announced that businesses with 50 to 99 employees now have until January 1, 2016, to provide health insurance for employees or face penalties.

DELAY announced for Penalties and Reporting Requirements of the Employer Shared Responsibility Provisions for 2015
http://www.adp.com/tools-and-resources/adp-research-institute/insights/insight-item-detail.aspx?id=5D8B571B-D08D-4027-A12E-7F060A3D05B9

FREQUENTLY ASKED QUESTIONS FOR BUSINESSES:

What is the SHOP Marketplace?
https://www.healthcare.gov/what-is-the-shop-marketplace/

How do my employees sign up for SHOP?
https://www.healthcare.gov/how-do-my-employees-sign-up-for-shop/

What is the Marketplace in my state?
https://www.healthcare.gov/what-is-the-marketplace-in-my-state/

What is considered a small business?
https://www.healthcare.gov/what-is-considered-a-small-business/

What if I am self-employed?
https://www.healthcare.gov/what-if-im-self-employed/

Do I have to offer health coverage to my employees?
https://www.healthcare.gov/do-i-have-to-offer-health-coverage-to-my-employees/

What do small businesses need to know?
https://www.healthcare.gov/what-do-small-businesses-need-to-know/

What do I need to tell my employees about the Marketplace?
https://www.healthcare.gov/what-do-i-need-to-tell-my-employees-about-the-marketplace/

Will my business qualify for health care tax credits?
https://www.healthcare.gov/will-i-qualify-for-small-business-health-care-tax-credits/

Can I use an agent or broker to buy health insurance in the Marketplace?
https://www.healthcare.gov/can-i-use-an-agent-or-broker-in-shop/

What does Marketplace health insurance cover?
https://www.healthcare.gov/what-does-marketplace-health-insurance-cover/

What if I already insure my employees?
https://www.healthcare.gov/what-if-i-already-insure-my-employees/

What if my business has over 50 employees?
https://www.healthcare.gov/what-do-large-business-owners-need-to-know/

What is the Employer Shared Responsibility Payment?
https://www.healthcare.gov/what-is-the-employer-shared-responsibility-payment/

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