Under 50 Employees? Think you are safe from the ACA? Maybe not!

The Affordable Care Act (also known as the PPACA or Obama Care) goes “live” on January 1, 2014, although aspects of it are effective now. The law requires that “large” employers with 50 or more employees must provide health coverage or pay a penalty. This has been described as “Play or Pay”. (BTW, this is …

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Learning the ACA One Bite at a Time

  How many of you have heard the old joke “How do you eat an elephant?” The answer is “one bite at a time.” Well the Affordable Care Act is an elephant. With nearly a 1000 pages of regulations, which have spawned many more thousands of pages of additional regualtions and explanations, it is very …

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Who is a Full-time Employee under the Affordable Care Act?

The year 2013 is rapidly slipping toward 2014, the big year when the Affordable Care Act insurance coverage provisions take effect. There are still a lot of questions employers have. One of them is “Is my company covered?” That question is answered by determining how many full-time employees you have or, in reality, how many …

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OSHA and the Affordable Care Act: What is that connection?

  There is your quiz for the day. Before reading any further can you answer the question? How are OSHA and the ACA connected? The answer It turns out that OSHA (The Occupational Safety and Health Administration) is the “retaliation cop” for 22 different statutes, including now the Affordable Care Act (ACA). OSHA will be …

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Required W-2 Reporting Required by the PPACA: Are You Ready?

  The first issue from the Patient Protection and Affordable Care Act (PPACA) also known as the Health Care Act, requires employers to report the cost of provided healthcare on W-2s issued this January 31st. Are you ready? Who must comply? Companies that have issued 250 or more W-2s in 2012 must make this reporting. …

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Three Pay Changes Employers MUST Communicate

  As we barrel toward the end of the year we are facing several issues that may impact an employee’s paycheck. Two of these changes are “fiscal cliff” related and the third is a result of the healthcare legislative time table. Regardless of the reason here are three pay changes employers must communicate. Smaller tax …

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Payroll Consequences of the Fiscal Cliff

  You have to be either deaf, dumb, dead or just don’t pay attention to the news to have not heard of the “fiscal cliff” or as some less informed have called it the “physical cliff.” There are a lot of things that are going to happen in this country if some accord is not …

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Two Major Facts about Small Company Healthcare

As the PPACA (Patient Protection and Affordable Care Act) moves along and deadlines approach it is important to understand two major facts about small company healthcare. First Fact According to the U.S. Census Bureau, in 2010, by my addition, there were about 143 million people who worked for companies with fewer than 20 employees. You …

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Kicking “Grandpa” Out the Door Because He Costs Too Much

When the PPACA (Patient Protection and Affordable Care Act), also known as Health Care Reform or ObamaCare, was passed one of the provisions allowed standing healthcare plans to be “grandfathered in” as long as long as they did not raise co-insurance charges, did not raise co-payment charges significantly and did not raise deductibles significantly. Well …

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A Final Rule on the PPACA Requires Changes Effective September 2012

On February 9, 2012 the government issued a set of final rules on the Patient Protection and Affordable Care Act (PPACA) that must be effective by September 22, 2012. Unfortunately if you wait that long to do anything about it you will be too late. The final rules require working with your insurance carrier and …

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