<p>BTW, Calmom, thanks for explaining where the pre-ACA group rule about employee number for eligibility came from. Indeed in our case that “no exclusion” issue was why we needed group at the time ;)</p>
<p>Dietz, I was not aware that an LLC structure instead of a C-corp meant that an H &W could qualify as a group.
I’ve been making a push to ditch the c-corp in favor of an s-corp with H for years now and think this year might be the year 
</p>
<p>I had dinner the other night with the owner of a benefit brokerage that was quite interesting on a number of ACA fronts. I wish I’d known this woman before I’d decided to cancel the plan and give our employee the equivalent raise. I’d still have cancelled the plan, but instead of the full raise I would have done a combo reimbursement and HSA I think. </p>
<p>Apart from the FICA/employer carrying expense etc., she pointed out that if I expand and go back to group, how does one “undo” a raise? A simple but excellent point, especially now that I’m planning to hire another.</p>
<p>Live and learn ;)</p>
<p>In other news, I’ve found the most ridiculous glitch on Healthcare.gov that would take any low-functioning moron a nanosecond to fix, but that also explains why TexasPg’s immigrant employees may have had a nightmare time with eligibility.</p>
<p>When asking for an upload of eligibility documentation, a Greencard for permanent residents is required. However, none of the pull down options refer to a Greencard, and instead, refer to citizenship or naturalization documents only. It literally would have taken a nanosecond to add the field while programming this interface. I’m not kidding – I do this stuff every day.</p>
<p>When mcson had applied, by attrition he called his Greencard something else. So three months later, they said he wasn’t verified, and to upload his documentation again…so he did. The still couldn’t seem to verify him, so finally I called and walked them through their idiot error on the upload selections via phone.</p>
<p>They STILL needed him to snail mail the doc because somehow they “couldn’t” manage to retrieve the upload because it didn’t match the upload name. </p>
<p>If my kid, who happens to be both an English native and technically what they call a poetic genius in terms of his IQ due to strong verbal IQ score can’t manage to correctly upload a Greencard for verification, I cannot imagine what its like for an immigrant with lesser deftness with the English language. I hope that my escalated call on this topic was recorded…because it was pretty hilarious. Remember the movie “Brazil”?</p>
<p>Seriously. Humans are delicious!</p>