Austin restaurateur Robert Mayfield had been thinking about adding another location to his string of area Dairy Queen franchises.
But he has shelved those plans until he can sort out what the implementation of the Affordable Care Act — the federal law commonly known as “Obamacare” — will do to his business.
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All employers — whether they provide health insurance or not — must notify employees about the Affordable Care Act.
Employers must determine whether they are “large” or “small” employers based on whether the have 50 or more full-time equivalent employees.
The employer mandate begins, requiring large businesses to offer health insurance or face penalties.
Employer mandates: Who’s affected?
• Large employers with 50 or more full-time equivalent employees must either offer health insurance to full-time employees and their dependents or face a penalty of $2,000 per employee (minus the first 30 full-time employees).
• Dependents are defined as children up to age 26. Spouses aren’t considered dependents.
• Small employers with fewer than 50 full-time equivalent employees aren’t required to offer health insurance.
• Full-time employees are defined as those who work 30 hours or more per week.
• Employers don’t have to provide insurance to part-time employees (29 hours or less), but they have to compute the total number of hours worked by all part-time and seasonal employees to determine whether an employer is large (50 or more full-time equivalents) or not.
Calculate the impact
To use a calculator (courtesy of the Kaiser Family Foundation) that illustrates health insurance premiums and subsidies for people purchasing insurance through the new health care marketplace, see statesman.com/healthcare.
HEALTH CARE IN-DEPTH
This is one in a series of articles on the implementation of the Affordable Care Act in Central Texas. See more Statesman coverage of the coming health care changes online at statesman.com/healthcare.
Health benefit requirements
• Ambulatory patient services
• Emergency services
• Maternity and newborn care
• Mental health and substance abuse treatment
• Prescription drugs
• Rehabilitative services and devices
• Lab services
• Preventive and wellness services
• Chronic disease management
• Pediatric services, including oral and vision care