Affordable Care Act

The Patient Protection and Affordable Care Act (PPACA), commonly called the Affordable Care Act (ACA) or "Obamacare," is a United States federal statute signed into law with the purpose of reforming the health care system. ACA will affect individuals and small businesses in a number of ways. This page intends to provide practical guidance to small businesses with less than 50 employees.

Small Business Responsibilities

October 1, 2013 marked an important compliance deadline for small-business owners. That is the day all employers–regardless of business size or health insurance offer status–must provide all employees with a Notice of Health Insurance Marketplace Coverage Options document.

There is a form for businesses that do offer health insurance to employees and a form for businesses that do not offer coverage to employees. All new employees hired after Oct. 1 will have to be provided the Notice document within 14 days of an employee’s start date. Guidance on the Notice requirement was provided on May 8.

Illinois Health Marketplace

Individuals and businesses can visit Get Covered Illinois, the official health marketplace in the State of Illinois, to learn more about health care coverage options. You can also learn how the health care law affects your business at, the federal government's official site of the Health Insurance Marketplace.

Open enrollment began for health insurance exchanges in each state on October 1, 2013. Every state will have two different health insurance exchanges–an individual exchange and a small-business exchange (SHOP). The individual exchange will be available for qualified individuals who do not have an offer of health insurance or whose offer of health insurance is deemed “unaffordable.” The small-business exchange (SHOP) will be available for qualified businesses with fewer than 50 employees. Health insurance coverage within the exchanges will begin on January 1, 2014.

Overview Videos

(English) White House White Board: What Obama Care Means For You

(Spanish) Cambios En Los Seguros Médicos Que Llegarán Con La Ley De La Salud a Bajo Precio

Guidance Resources for Small Business with < 50 Employees

U.S. Small Business Administration

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