So, for those employed by entities that are self-funded like municipalities, counties and businesses, the ACA is costing them more money. Wikipedia estimates 59 percent of companies in the U.S. self-fund part of their health insurance.
For others, the ACA is the loss of health care insurance altogether because mandates forced insurance companies to drop plans. And for others, they have qualified for expanded Medicaid and health care insurance through the “Marketplace” or exchanges.
Something to pay attention to is how will the federal government look at volunteers who put in time for local fire and police departments and emergency responders.
The question not yet answered is, will the ACA force municipalities to provide health care to city volunteers?
According to factcheck.org, the short answer is “Not likely.” However, they go on to state the IRS “has not addressed the issue, though it may shortly when it issues final employer rules.”
Factcheck.org states IRS policy deems volunteers to be employees for tax purposes if they receive a stipend. Known as the employer mandate, which was postponed and will now go into effect in 2015, municipalities with more than 50 full-time workers might be required to provide health insurance to volunteer “employees” or face a $2,000 per employee tax penalty.