The Affordable Care Act has caused much confusion and cost for business owners. We have worked tirelessly to stay abreast of the effects the ACA has had on small to medium size businesses. It has never been more important to work with a group benefits specialist that is up to date with all regulation and affordable options. The market place reacts quickly to Congress, and there are still very affordable ways to provide incentives to your employees to stay with you. The key is being proactive. We recommend looking into your options five to six months before your renewal.