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→How the ACA really affects small businesses
The Affordable Care Act uses the language “full-time equivalent” (abbreviated FTE); a full-time equivalent employee is the total number of full-time employees plus the combined number of part-time employees hours divided by 30. Another criterion for determining mandate-exemption or tax-credit status in the ACA is the average annual wage of employees; average annual wage of a business is calculated by dividing the total wages paid by an employer by the number of FTEs, rounding down to the nearest $1,000 [http://obamacarefacts.com/obamacare-small-business/].
Most of the harms of the ACA, thus, are passed onto larger companies - firms with larger than 100 FTE (full time equivalent employees) - but many of these larger corporations also already offer health insurance coverage for their employees. However, companies between 50 and 100 FTE, which are required by the ACA to offer health insurance coverage to their employees, are implicated in a slightly more complex way. [[Image:firmsize.jpg|200px|left]]
===For small businesses with fewer than 50 employees===
