Affordable Care Act (ACA)

Understanding the impact on your business

What is ACA Compliance?

ACA—generally referred to as Obamacare—is the health reform legislation passed by the 111th Congress and signed into law by President Barack Obama in March 2010. The legislation includes a long list of health-related provisions that began taking effect in 2010.

Key provisions are intended to extend coverage to millions of uninsured Americans, to implement measures that will lower health care costs and improve system efficiency, and to eliminate industry practices that include rescission and denial of coverage due to pre-existing conditions.

ACA compliance requires large employers to provide a qualified level of insurance coverage. This requirement is enforced by the number of full-time equivalent employees (those who work 30 hours per week or more). However, part-time employees are also part of the calculation, as a fraction, and are included in the overall total.

How does ACA compliance apply to your business?

ACA compliance enforcement for companies with 100+ full-time employees and equivalents (FTEs) began on January 1, 2015

Companies with 50-99 full-time employees and equivalents (FTEs) will need to be compliant by January 1, 2016

If you have 49 full-time employees and equivalents (FTEs) or less, you are not impacted by the ACA

Heartland’s solution for the ACA

Meeting the requirements of the Affordable Care Act (ACA) can be a daunting task. Heartland now offers an ACA compliance software solution to help you understand the complexities, avoid noncompliance fines and reduce administrative work.

Monthly reporting of full-time employees and equivalents (FTEs)

Allows you to calculate the total number of full-time employees and FTEs you have over a designated measurement period in order to determine if you are an applicable large employer required to provide employee health insurance coverage.

This report will list employees’ total paid and unpaid hours (including work, sick, personal and vacation) and average hours per week.

Year-end completion and electronic filing of 1094-C and 1095-C tax forms*

Heartland will recap the health coverage provided to full-time employees for the previous year. Then we will produce the forms for distribution to your employees and file the forms with the IRS on your behalf.

*Employers with 50-99 full-time employees and FTEs are not required to provide health coverage to eligible employees until 2016, but are required to file Forms 1094-C and 1095-C for 2015.

HR Support Center

The HR Support Center is a single source for critical HR materials including information on laws and policies, job descriptions and downloadable forms. You will have all the tools necessary to manage employees and provide you with professional assistance.

HR On Demand

Heartland provides guidance on ACA-related employment and personnel questions through a toll-free number. You will receive automatic enrollment for HR On Demand regardless of the payroll platform you are processing on.

Learn more about ACA

If you are an existing Heartland Payroll client, please contact your payroll specialist by calling: 877-729-2968. Otherwise, please fill out the form below and a representative will be in touch.

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