---
title: "ACA Compliance Begins: What This Means for Employers"
description: "ACA Compliance Begins: What This Means for Employers"
---

[![2012 PLRisk Logo-Feb-28-2023-09-30-45-0928-PM](https://blog.plrisk.com/hs-fs/hubfs/2012%20PLRisk%20Logo-Feb-28-2023-09-30-45-0928-PM.png?width=1650&height=500&name=2012%20PLRisk%20Logo-Feb-28-2023-09-30-45-0928-PM.png "2012 PLRisk Logo-Feb-28-2023-09-30-45-0928-PM")](https://plrisk.com/)

[![PL Risk](https://blog.plrisk.com/hs-fs/hubfs/raw_assets/public/Pl_Risk_June_2020/images/plrisk-50x140-logo.png?width=300&height=300&name=plrisk-50x140-logo.png "PL Risk")](https://plrisk.com/)

- [HOME](https://plrisk.com/)
- [CUSTOMER CENTER](https://plrisk.com/#) 
    - [Make A Payment](https://plrisk.epaypolicy.com/)
    - [Submit An Application](https://www.plrisk.com/applications/)
    - [Confirmation of Coverage](mailto:info@plrisk.com)
    - [Download Applications](https://plrisk.com/applications)
    - [File a Claim](https://plrisk.com/file-a-claim)
    - [Claim Scenarios](https://plrisk.com/claim-scenarios)
    - [FAQs](https://plrisk.com/faqs)
    - [Industry Tools](https://plrisk.com/industry-tools)
    - [Free Cyber Hotline](https://plrisk.com/free-cyber-hotline)
    - [Get Appointed](https://plrisk.com/for-agents)
- [INDUSTRIES WE SERVE](https://plrisk.com/#) 
    - [Architects & Engineers](https://plrisk.com/architects-engineers/)
    - [Financial Institutions](https://plrisk.com/financial-institutions/)
    - [Healthcare / Medical](https://plrisk.com/healthcare-medical/)
    - [Insurance](https://plrisk.com/insurance/)
    - [Technology](https://plrisk.com/technology/)
    - [Consulting](https://plrisk.com/consulting/)
    - [Legal](https://plrisk.com/legal)
    - [Real Estate](https://plrisk.com/real-estate/)
    - [Media](https://plrisk.com/media)
    - [Miscellaneous Services](https://plrisk.com/miscellaneous-services/)
- [PRODUCTS](https://plrisk.com/#) 
    - [Overview](https://plrisk.com/products)
    - [Errors and Omissions](https://plrisk.com/products/errors-omissions)
    - [Directors and Officers](https://plrisk.com/products/directors-officers/)
    - [Commercial Crime](https://plrisk.com/products/commercial-crime/)
    - [Employment Practices](https://plrisk.com/products/employment-practices/)
    - [Cybersecurity](https://plrisk.com/products/fiduciary/)
    - [Fiduciary](https://plrisk.com/products/cybersecurity/)
- MERGERS & ACQUISITIONS 
    - [Reps and Warranties Sell](https://www.plrisk.com/wp-content/uploads/2023/06/PLR-Reps-and-Warranties-SellSide-Onesheet.pdf)
    - [Reps and Warranties](https://www.plrisk.com/wp-content/uploads/2023/06/PLR-Reps-and-Warranties-Onesheet.pdf)
- CANNABIS 
    - [Overview](https://www.plrisk.com/products/cannabis-insurance)
    - [Account Highlights](https://blog.plrisk.com/hubfs/PLR%20-%20Cannabis%20Assets/PLR-CANNABIS-account%20highlights_Onesheet-V2.pdf)
    - [Commercial Property](https://www.plrisk.com/cannabis-commercial-property/)
    - [Commercial Crime](https://www.plrisk.com/cannabis-business-insurance-commercial-crime)
    - [Cyber Liability](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-12-CANNABIS-Cyber-Insurance-Onesheet-V8.pdf)
    - [D&O](https://blog.plrisk.com/hubfs/PLR%20-%20Cannabis%20Assets/PLR-CANNABIS-D%26O-Onesheet-V1.pdf)
    - [E&O](https://blog.plrisk.com/hubfs/PLR%20-%20Cannabis%20Assets/PLR-CANNABIS-E%26O-Onesheet-V1.pdf)
    - [EPLI](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-10-CANNABIS-Employment-Practices-Liability-Onesheet-V9.pdf)
    - [General Liability](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-02-CANNABIS-General-Liability-Onesheet-V4-1.pdf)
    - [Product Liability](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-03-CANNABIS-Product-Liability-Onesheet-V2-4.pdf)
    - [Workers’ Comp](https://www.plrisk.com/wp-content/uploads/2023/08/PLR-05-CANNABIS-Workers-Compensation-Onesheet-Reduced.pdf)
- [SELECT](https://www.plrisk.com/products/select-division/)
- [ABOUT](https://plrisk.com/#) 
    - [Our Team](https://plrisk.com/our-team/)
    - [Careers](https://www.plrisk.com/careers/)
    - [Our Charity](https://plrisk.com/helping-hands/)
- NEWSROOM 
    - [Blog](https://blog.plrisk.com)
    - [Newsletters](https://www.plrisk.com/plr-newsletters/)
- QUOTE ONLINE 
    - [Hiscox NOW Small Business Insurance](https://www.hiscox.com/partner-agent/plriskadvisors)
    - [Custom Quote](https://www.hiscox.com/partner-agent/plriskadvisors)

- CUSTOMER  
  CENTER
  
  
  
    - [MAKE A PAYMENT](https://plrisk.epaypolicy.com/)
    - [SUBMIT AN APPLICATION](https://www.plrisk.com/applications/)
    - [CONFIRMATION OF COVERAGE](mailto:info@plrisk.com)
    - [DOWNLOAD APPLICATIONS](https://plrisk.com/applications)
    - [FILE A CLAIM](https://plrisk.com/file-a-claim)
    - [CLAIM SCENARIOS](https://plrisk.com/claim-scenarios)
    - [FAQs](https://plrisk.com/faqs)
    - [INDUSTRY TOOLS](https://plrisk.com/industry-tools)
    - [FREE CYBER HOTLINE](https://plrisk.com/free-cyber-hotline)
    - [GET APPOINTED](https://plrisk.com/for-agents)
- INDUSTRIES  
  WE SERVE
  
  
  
    - [TITLE AGENTS & MORTGAGE BROKERS](https://www.plrisk.com/real-estate/)
    - [REAL ESTATE](https://www.plrisk.com/real-estate/)
    - [LEGAL](https://www.plrisk.com/legal/)
    - [MEDIA](https://www.plrisk.com/media/)
    - [ARCHITECTS & ENGINEERS](https://www.plrisk.com/architects-engineers/)
    - [FINANCIAL INSTITUTIONS](https://www.plrisk.com/financial-institutions/)
    - [CONSULTING](https://www.plrisk.com/consulting/)
    - [MISC. SERVICES](https://www.plrisk.com/miscellaneous-services/)
    - [HEALTHCARE MEDICAL](https://www.plrisk.com/healthcare-medical/)
    - [INSURANCE](https://www.plrisk.com/insurance/)
    - [TECHNOLOGY](https://www.plrisk.com/technology/)
    - [SPACs](https://www.plrisk.com/spacs/)
- PRODUCTS
  
  
  
    - [PRODUCTS OVERVIEW](https://plrisk.com/products)
    - [Errors & Omissions](https://plrisk.com/products/errors-omissions)
    - [Directors & Officers](https://plrisk.com/products/directors-officers/)
    - [Commercial Crime](https://plrisk.com/products/commercial-crime/)
    - [EPLI](https://plrisk.com/products/employment-practices/)
    - [Fiduciary Liability](https://plrisk.com/products/fiduciary/)
    - [Cybersecurity](https://plrisk.com/products/cybersecurity/)
- [MERGERS & ACQUISITIONS](https://www.plrisk.com/wp-content/uploads/2023/03/PLR-Managing-Insurance-Coverage-eBook-03272023.pdf)
  
  
  
    - [Reps and Warranties](https://www.plrisk.com/wp-content/uploads/2023/06/PLR-Reps-and-Warranties-Onesheet.pdf)
    - [Reps and Warranties Sell](https://www.plrisk.com/wp-content/uploads/2023/06/PLR-Reps-and-Warranties-SellSide-Onesheet.pdf)
- [CANNABIS](https://www.plrisk.com/products/cannabis-insurance)
  
  
  
    - [Overview](https://www.plrisk.com/products/cannabis-insurance)
    - [Account Highlights](https://blog.plrisk.com/hubfs/PLR%20-%20Cannabis%20Assets/PLR-CANNABIS-account%20highlights_Onesheet-V2.pdf)
    - [Commercial Crime](https://www.plrisk.com/cannabis-business-insurance-commercial-crime)
    - [Commercial Property](https://www.plrisk.com/cannabis-commercial-property/)
    - [Cyber Liability](https://www.plrisk.com/cannabis-business-insurance-cyber-liability/)
    - [D&O](https://www.plrisk.com/cannabis-directors-officers-do-liability/)
    - [E&O](https://www.plrisk.com/cannabis-errors-omissions-eo/)
    - [EPLI](https://www.plrisk.com/cannabis-employment-practices-liability/)
    - [General Liability](https://www.plrisk.com/cannabis-general-liability/)
    - [Product Liability](https://www.plrisk.com/cannabis-product-liability/)
    - [Workers’ Comp](https://www.plrisk.com/cannabis-business-insurance-workers-compensation/)
- [SELECT](https://www.plrisk.com/products/select-division/)
- ABOUT
  
  
  
    - [Our Team](https://plrisk.com/about-us/)
    - [Our Charity](https://plrisk.com/helping-hands/)
    - [Careers](https://www.plrisk.com/careers/)
- NEWSROOM
  
  
  
    - [BLOG](https://blog.plrisk.com)
    - [NEWSLETTERS](https://www.plrisk.com/plr-newsletters/)
- QUOTE  
  ONLINE
  
  
  
    - [Hiscox NOW Small Business Insurance](https://www.hiscox.com/partner-agent/plriskadvisors)
    - [Custom Quote](https://www.hiscox.com/partner-agent/plriskadvisors)

×

### Get A Quote

# ACA Compliance Begins: What This Means for Employers

[Mike Smith](https://blog.plrisk.com/author/mike-smith)

 Jan 16, 2015, 6:44:42 PM

## [![ACA Compliance Begins What This Means for Employers](https://blog.plrisk.com/hs-fs/hubfs/Imported_Blog_Media/ACA-Compliance-Begins-What-This-Means-for-Employers-300x199.jpg?width=300&height=199&name=ACA-Compliance-Begins-What-This-Means-for-Employers-300x199.jpg)](https://blog.plrisk.com/hubfs/Imported_Blog_Media/ACA-Compliance-Begins-What-This-Means-for-Employers-1.jpg)ACA Compliance Begins: What This Means for Employers

The beginning of the year has many employers reviewing 2014, exploring how they can best grow their business for the coming year, and getting proper tax documents out to their employees. This year has given employers one more factor to consider; it’s currently the first month of Affordable Care Act (ACA) compliance for many employers.

Over the past year, employers struggled with the specifics of ACA compliance. As we begin to progress into 2015, sites such as [Employee Benefit News](http://ebn.benefitnews.com/) (EBN) cite some key facts employers should be aware of.

- Any employer with more than 100 full-time employees in 2014 should already be offering creditable health coverage to employees working 30 or more hours per week over the preceding measurement period that carried through the end of 2014.
- Those employees to whom coverage was offered as a result of satisfying the 30 hours or more requirement of the measurement period should continue to be eligible for that coverage for a period of at least six months.
- Employees with variable hours are now in their second measurement period, and employers will need to determine whether they will be eligible for coverage for the 2016 plan year.

This overlap of the first stability period and the second measurement period has been a source of confusion for employers; but it is key since over the next year, employers have to remember that both apply. A full-time employee that had coverage in 2014 can begin to work less than 30 hours and not lose coverage for 2015, but they may lose coverage for 2016.

As employers begin to hire new employees in 2015, they will need to determine whether the new hire is a variable hour employee subject to a measurement period, or whether they will be brought on as a full-time employee. New employees that are hired on a full-time basis typically will need to be eligible for coverage within 90 days of the date of hire.

Overall, EBN recommends that employers should keep these three basic requirements in mind as we start 2015:

- Offer and maintain coverage to those who are eligible
- Treat new hires correctly
- Count employees in accordance with the instructions for form 1094-C

By following these three requirements, employers should be better prepared for ACA compliance throughout the year.

At [PL Risk](http://www.plrisk.com/), we understand all the financial considerations your clients have to make at the beginning of the year. One of these considerations should always be their insurance coverage. Our products include [Employment Practices Liability](http://www.plrisk.com/products/employment-practices/), [Errors & Omissions Liability](http://www.plrisk.com/products/errors-omissions/), and more. Please contact us today at **(855) 403-5982** to learn more about our products and the industries we serve.

## Recent Posts

- [Tracking Cookies Beginning to Run Afoul of Consumer Data Protection Laws](https://blog.plrisk.com/tracking-cookies-beginning-to-run-afoul-of-consumer-data-protection-laws)
- [PLRisk welcomes Jeffery Phi to their growing Wholesale Broker roster](https://blog.plrisk.com/plrisk-welcomes-jeffery-phi-to-their-growing-wholesale-broker-roster)
- [PLRisk Welcomes Michelle Delaney as Wholesale Account Manager](https://blog.plrisk.com/plrisk-welcomes-michelle-delany-as-wholesale-account-manager)
- [PLRisk Spotlights Rachel Coughlin](https://blog.plrisk.com/plrisk-spotlights-rachael-coughlin)
- [PLRisk congratulates Matt Culkin on joining NJYIP Board](https://blog.plrisk.com/plrisk-congratulates-matt-culkin-on-joining-njyip-board)

Search

### Share this post

[![Share on facebook](https://7528309.fs1.hubspotusercontent-na1.net/hub/7528309/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/facebook-color.png?width=24&name=facebook-color.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.plrisk.com%2Fblog%2Faca-compliance-begins-means-employers%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on linkedin](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/linkedin-color.png?width=24&name=linkedin-color.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.plrisk.com%2Fblog%2Faca-compliance-begins-means-employers%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on twitter](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/x-twitter-color.png?width=24&name=x-twitter-color.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.plrisk.com%2Fblog%2Faca-compliance-begins-means-employers%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.plrisk.com%2Fblog%2Faca-compliance-begins-means-employers%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=) [![Share on email](https://7528311.fs1.hubspotusercontent-na1.net/hub/7528311/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/email-color.png?width=24&name=email-color.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fblog.plrisk.com%2Fblog%2Faca-compliance-begins-means-employers%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fblog.plrisk.com%2Fblog%2Faca-compliance-begins-means-employers%3Futm_medium%3Dsocial%26utm_source%3Demail)

### Subscribe to our blog

[![PLRisk-LogoWhite](https://blog.plrisk.com/hs-fs/hubfs/PLRisk-LogoWhite.png?width=400&height=123&name=PLRisk-LogoWhite.png "PLRisk-LogoWhite")](https://plrisk.com/)

### Stay connected to learn the latest from PLRisk

By clicking submit I agree to the  [Privacy Policy](https://www.plrisk.com/privacy-policy)  and [Terms & Conditions.](https://www.plrisk.com/terms-conditions/)

###### 795 Franklin Avenue, Suite 210 Franklin Lakes, NJ 07417 Tel: (855) 403-5982 Fax: 201-847-9174

- RESOURCES 
    - [DOWNLOAD APPLICATIONS](https://plrisk.com/applications)
    - [FILE A CLAIM](https://plrisk.com/file-a-claim)
    - [CLAIM SCENARIOS](https://plrisk.com/claim-scenarios)
    - [FAQs](https://plrisk.com/faqs)
    - [INDUSTRY TOOLS](https://plrisk.com/industry-tools)
    - [FREE CYBER HOTLINE](https://plrisk.com/free-cyber-hotline)
    - [GET APPOINTED](https://plrisk.com/for-agents)
- PRODUCTS 
    - [PRODUCTS OVERVIEW](https://plrisk.com/products)
    - [ERRORS & OMISSIONS](https://plrisk.com/products/errors-omissions)
    - [DIRECTORS & OFFICERS](https://plrisk.com/products/directors-officers/)
    - [COMMERCIAL CRIME](https://plrisk.com/products/commercial-crime/)
    - [EMPLOYMENT PRACTICES](https://plrisk.com/products/employment-practices/)
    - [FIDUCIARY LIABILITY](https://plrisk.com/products/fiduciary/)
    - [CYBERSECURITY](https://plrisk.com/products/cybersecurity/)
- PROFESSIONS 
    - [TITLE AGENTS & MORTGAGE BROKERS](https://plrisk.com/real-estate/)
    - [REAL ESTATE](https://plrisk.com/real-estate/)
    - [LEGAL](https://plrisk.com/legal)
    - [MEDIA](https://plrisk.com/media)
    - [ARCHITECTS & ENGINEERS](https://plrisk.com/architects-engineers/)
    - [FINANCIAL INST.](https://plrisk.com/financial-institutions/)
    - [CONSULTING](https://plrisk.com/consulting/)
    - [MISC. SERVICES](https://plrisk.com/miscellaneous-services/)
    - [HEALTHCARE/MEDICAL](https://plrisk.com/healthcare-medical/)
    - [INSURANCE](https://plrisk.com/insurance/)
    - [TECHNOLOGY](https://plrisk.com/technology/)
- ABOUT 
    - [OUR TEAM](https://www.plrisk.com/about-us/)
    - [BLOG](https://blog.plrisk.com/)
    - [OUR CHARITY](https://plrisk.com/helping-hands/)
    - [CAREERS](https://www.plrisk.com/careers/)
    - [PRIVACY POLICY](https://www.plrisk.com/privacy-policy)
    - [TERMS & CONDITIONS](https://www.plrisk.com/terms-conditions/)
    - [ACCESSIBILITY STATEMENT](https://www.plrisk.com/accessibility-statement/)
    - [STATE LICENSES](https://www.plrisk.com/state-licenses/)

Copyright © 2023 PLRisk | All Rights Reserved | [Privacy Policy](https://www.plrisk.com/privacy-policy)

PLRisk Specialty Insurance Agency LLC is a licensed insurance broker legally operating in the state of New Jersey under license number NJ 3002329782 and in California DBA NJ PLRisk Specialty Insurance Agency LLC, License number CA 6009937