The Affordable Care Act (ACA) open enrollment deadline for health insurance is rapidly approaching. The last day for part-time and subcontract employees to get health insurance via Covered California, the state healthcare website, is March 31, 2014. Fortunately, if you’re still confused, you can get advice and sign up from a certified agent you trust for the same health insurance as you find online.

Small group employers don’t need to offer healthcare plans to subcontract and part-time employees because the Affordable Care Act specifies required coverage for full-time employees or "full-time equivalents." While independent and subcontract employees are not included in small employer mandatory coverage requirements, these people must qualify as independent contractors.   Subcontractors must meet the Internal Revenue Service (IRS) definition as independent.

Just because an employer calls someone an independent contractor doesn’t mean the IRS will agree. The IRS examines the "substance of the work relationship" to rule on the nature of the employment. If the legal status is that of an independent contractor, the window for open enrollment closes on March 31. The same deadline applies for part-time employees that don’t qualify for small group insurance.

Confused yet? To clear away the "fog," contact Bernardini & Donovan Insurance. Don’t miss the open enrollment deadline because you are confused about your options. You can use Bernardini & Donovan Insurance to get the advice and coverage you need. The firm is a certified agent for healthcare plans listed on the Covered California Marketplace. You’ll get the coverage you want at the same price listed on the Healthcare Marketplace site.

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