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Affordable Care Act

Affordable Care Act

The Patient Protection and Affordable Care Act , otherwise known as the ACA, enacted comprehensive health insurance reforms designed to improve Americans access to affordable health insurance. Will these new laws and mandates affect your small business?

Key Provisions of the Affordable Care Act

The Affordable Care Act was created with the idea that no two businesses are alike. The act includes a variety of measures tailored for small business that helps lower costs and increases access to quality health insurance. Depending on whether you are self-employed, an employer with fewer than 25 employees, an employer with fewer than 50 employees, or an employer with 50 or more employees, different provisions of the Affordable Care Act may apply to you. Learn about the key provisions of the Affordable Care Act based on the size of your business below.

Self-Employed Employers with Fewer Than 25 Employees Employers with Up to 50 Employees Employers with 50 or More Employees
Find out which Affordable Care Act provisions may impact self-employed individuals Find out which key Affordable Care Act provisions may impact small businesses with fewer than 25 employees. Find out which Affordable Care Act provisions may impact small businesses with up to 50 employees. Find out which key Affordable Care Act provisions may impact small businesses with 50 or more employees.

Frequently Asked Questions


Do I need to get health insurance?

Starting January 1, 2014, if someone doesn’t have a health plan that qualifies as minimum essential coverage, he or she may have to pay a fee that increases every year: from 1% of income (or $95 per adult, whichever is higher) in 2014 to 2.5% of income (or $695 per adult) in 2016. The fee for children is half the adult amount. The fee is paid on the 2014 federal income tax form, which is completed in 2015. People with very low incomes and others may be eligible for waivers. See “What if someone doesn’t have health coverage in insurance in 2014?” for more information.

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How can I get health insurance?

The Health Insurance Marketplace will help you get coverage that meets your needs and fits your budget. Open enrollment begins October 1, 2013. After October 1, 2013, find local, personal help with applying for health coverage will be available from individuals and organizations designated as Navigators.

The State of Texas is currently providing the following resource for finding health insurance coverage:

Where can I go for more information?

As always, you can contact your local SBDC for more information about the Affordable Care Act or small business in general. You can also look for more information at:


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