So what’s the ACA, anyway?

Well, here’s the long version: The Patient Protection and Affordable Care Act of 2010.

Here’s the short version: Obamacare.

And as a small business owner, here’s why you should care: If you have 50 or fewer full-time employees, the ACA says you don’t have to provide group health insurance.

That’s the gist of it. But let’s back up and elaborate.

The ACA and Small Business Owners

You may have heard many things about the ACA. It’s been a pretty famous subject for a number of years now. That’s why HealthMarkets wants to help small business owners cut through all the noise and get the facts they need about the ACA.

The basic facts go like this:

  • The ACA is an Act of Congress signed into law by President Obama on March 23, 2010.
  • It provides health insurance to all Americans, and offers subsidies or tax credits to people who qualify for more affordable access to health insurance.
  • As of 2014, it also requires most individuals to have health insurance or pay a fine. Similarly, it requires most employers to offer health insurance to their employees, or pay a fine.
  • But according to the ACA, if you have 50 full-time employees or fewer, you do not have to provide health insurance to your employees. You do not pay the fine.

We’ll repeat that last point: The ACA’s rules about employee-sponsored group health insurance are different for small business owners. They do not have to provide health insurance to their employees.

And it’s a good thing. In 2012, the year before these ACA rules became applicable, compensation (including health insurance) totaled more than 50%1 of small business expenses, on average. Health insurance is a top concern for small businesses, who often want to provide group coverage, but can’t figure out how to do so affordably. That’s where HealthMarkets comes in.

HealthMarkets, ACA Mysteries, and You

We can consult with you about your insurance options and help find a way for you to uphold your responsibility to your employees — without paying so much money. We’ll help you figure out what full-time employee (FTE) really means, and whether you have 50 of them.

In other words, HealthMarkets has the knowledge that can help simplify complicated health regulations for you, and we’re more than happy to share it…for free.

HealthMarkets offers thousands of options from more than 200 insurance companies, nationwide, and we can help you find options that fit your small business, your employees, and you. Give us a call any time, day or night, at (800) 976-5818.



“PEX Card SMB Benchmark Expense Survey.” p.4. January 2013. PEXCard publication. Retrieved from, 10/01/15.

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