Affordable Care Act

The Affordable Care Act is the most sweeping health care legislation in decades. It has created confusion among both large and small employers. To help alleviate some of this uncertainty, The Protocall Group has partnered with Alden Bianchi, a leading attorney and nationally recognized author and speaker on the Affordable Care Act.

This portion of our website provides employers with one-stop access to the most up-to-date news, resources, whitepapers, interactive tools, and more—all focused on helping your company comply with the ACA.

ACA Whitepaper

Staffing Company ACA Billing Requirements

Staffing companies must bill for the insurance to clients otherwise the client is at risk for the penalty and also for including them in their count as an employee.

Read our whitepaper

Webinar: Staffing Strategies For Employers

Shrink your Affordable Care Act worries down to size with effective new staffing strategies vetted by attorney Alden Bianchi, a nationally-recognized author and speaker on the ACA.

View the webinar and slide deck

 

ACA Frequently Asked Questions

What is the Affordable Care Act?

The Patient Protection and Affordable Care Act (PPACA), commonly called Obamacare or the Affordable Care Act (ACA), is a United States federal statute signed into law by President Barack Obama on March 23, 2010. Together with the Health Care and Education Reconciliation Act, it represents the most significant government expansion and regulatory overhaul of the U.S. healthcare system since the passage of Medicare and Medicaid in 1965.

The ACA is aimed at increasing the affordability and rate of health insurance coverage for Americans, and reducing the overall costs of health care (for individuals and the government). It provides a number of mechanisms — including mandates, subsidies, and tax credits — to employers and individuals to increase the coverage rate and health insurance affordability. The ACA requires insurance companies to cover all applicants within new minimum standards, and offer the same rates regardless of pre-existing conditions or sex.

Additional reforms aim to improve healthcare outcomes and streamline the delivery of health care. The Congressional Budget Office projected that the ACA will lower both future deficits and Medicare spending.

What is an employer’s responsibility under the Affordable Care Act?

The Affordable Care Act does not require businesses to provide health benefits to their employees, but larger employers face penalties if they don’t make affordable coverage available.

Using a staffing service that is compliant with the law can be an effective strategy to keep your costs in check. It is very important to know if they are offering insurance to the temporary staffing employees if they are classified as a “Large Employer” (100 or more employees). Make sure you ask them if they are offering a plan that offers full hospitalization to temporary staffing employees.

Why will we experience added ACA costs?

The ACA Employer Mandate goes into effect on January 1, 2015 and thus The Protocall Group and all employers with 100 or more employees will need to offer insurance to employees or pay penalties. This is what they term “Pay or Play”. Protocall has made a decision to play (provide insurance).

Will The Protocall Group opt to provide insurance or pay the penalties?

Protocall has decided to be in compliance (“play”) with the ACA and will provide “full insurance coverage” to our staffing employees. By full insurance coverage it means we are providing full hospitalization coverage.

How much added cost do we anticipate from the ACA "tax?"

Our estimates project that during the first year of the Employer Mandate, we will incur significant costs both in the insurance policy costs and the administration of the benefits program to our employees. The cost is very difficult to forecast, as no one knows what the participation will be, but we are forecasting high participation due to the affordable cost and low deductible being offered. Protocall has minimized our costs by becoming “self insured” through our ASGroup Staffing Association.

Will we pass these costs along to our clients?

Yes! Our current pricing models don’t factor in any ACA costs. Protocall, as well as most all reputable staffing companies, will need to pass these costs on to clients.

When will the price increase be effective?

The price increase will be effective Monday January 5, 2015. This price increase is a pass-through of some of the added costs we will experience from the ACA.

Are all staffing firms passing along a price increase in 2015?

In speaking with executives of staffing companies across the country and in the local market, we’ve learned that all national and creditable staffing firms will be passing along ACA price increases to clients effective January 1, 2015. Protocall is connected to the best national industry experts through our membership with ASGroup (which is the Affiliated Staffing Group) and the American Staffing Association to explore the most cost-effective program available in the market.

If I ask The Protocall Group to place only temporary employees who are not eligible for ACA insurance, can I get a lower rate?

No, the ACA regulations make very clear that efforts by employers to deny employees benefits rightfully entitled by the ACA will be dealt with severely. By law, we have to offer the insurance to every employee regardless of skill or pay rate.

If I end the assignments of temporary employees who are approaching the 1,560 hours threshold that would qualify them for insurance, can I get a lower rate?

No, again the regulations make clear that the government will not condone “gaming the system” to prevent employees from securing insurance under the ACA. The IRS will be imposing stiff penalties for any violations and we want to protect us and our clients from such exposure.

If I adopt an hour’s restriction for all my temporary employees of 1,000 hours per year, can I avoid the price increase?

No, the employees you use during the year will likely be reassigned elsewhere, and thus will continue to be considered full‐time, triggering our obligation to provide insurance. Thus, we need to pass along price increases to all our clients across the board.