I am sure there are similar impacts at engineering, landscape architecture and interior design firms across the U.S.

The AIA Trust recently published an article about how recent legislation affects health insurance coverage options for your small firm (if you didn’t see it, click here for the article). Understanding that every firm is different, the Trustees thought it would be helpful to ask our expert to field questions from you, the AIA members who are small firm owners.

For example, you may want to consider the SHOP Exchange for small employers with non-highly compensated workforces to purchase group insurance and qualify for a federal tax credit to help pay for it. Or, you may want to discontinue your employee health plan, so your employees who may qualify for subsidies get their own insurance and you can then use the savings to compensate the employees in other ways—whether through a Health Savings Account, retirement plan savings, or another benefit.

If you have a question about what you and your firm should do regarding health insurance coverage under the new legislative requirements, email the question along with the specifics of your firm size and any pertinent information to AIATrust@aia.com—our expert will answer as many as practical and that provide a diversity of questions and alternative options for members to consider, and share the questions and answers anonymously in a future column.