"Just now, things are really sinking in that there is this employer responsibility," said Amanda Austin, of the National Federation of Independent Business.
Under ACA, often called Obamacare, employers with 50 or more full-time workers face a mandate to provide insurance. It's known formally as shared responsibility.
"You're going to need somebody to do a thorough review of the impact on your business," Austin said, because the new rules are complex.
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