--- title: PACE Yourself description: PACE Act signed into law by President Obama --- - [724-717-6004](tel:7247176004) [![Getting Started is Easy](https://no-cache.hubspot.com/cta/default/6680537/4daca9d5-4d43-4aac-bdcd-30d781af3c89.png)](https://cta-redirect.hubspot.com/cta/redirect/6680537/4daca9d5-4d43-4aac-bdcd-30d781af3c89) [tel:7247176004](tel:7247176004) [![](https://www.kuzneski.com/hs-fs/hubfs/Kuzneski%20Logo.%20Final-2.jpg?width=1441&height=282&name=Kuzneski%20Logo.%20Final-2.jpg)](https://www.kuzneski.com) - [ARE WE A FIT?](https://www.kuzneski.com/are-we-a-fit) - [EMPLOYEE BENEFITS](https://www.kuzneski.com/services/employee-benefits) - [HR & COMPLIANCE](https://www.kuzneski.com/services/hr-compliance) - [PAYROLL & HRIS](https://www.kuzneski.com/services/payroll-hris) - [BUSINESS INSURANCE](https://www.kuzneski.com/services/business-insurance) - [ABOUT](https://www.kuzneski.com/about-kuzneski-insurance-group) - [ABOUT US](https://www.kuzneski.com/about-kuzneski-insurance-group) - [CAREERS](https://www.kuzneski.com/careers) - [INTERNSHIPS](https://www.kuzneski.com/internships) - [LEARN](https://www.kuzneski.com/blog) - [BLOG](https://www.kuzneski.com/blog) - [Compliance Webinars](https://www.kuzneski.com/compliance-webinars) - [ARE WE A FIT?](https://www.kuzneski.com/are-we-a-fit) - [EMPLOYEE BENEFITS](https://www.kuzneski.com/services/employee-benefits) - [HR & COMPLIANCE](https://www.kuzneski.com/services/hr-compliance) - [PAYROLL & HRIS](https://www.kuzneski.com/services/payroll-hris) - [BUSINESS INSURANCE](https://www.kuzneski.com/services/business-insurance) - [ABOUT](https://www.kuzneski.com/about-kuzneski-insurance-group) - [ABOUT US](https://www.kuzneski.com/about-kuzneski-insurance-group) - [CAREERS](https://www.kuzneski.com/careers) - [INTERNSHIPS](https://www.kuzneski.com/internships) - [LEARN](https://www.kuzneski.com/blog) - [BLOG](https://www.kuzneski.com/blog) - [Compliance Webinars](https://www.kuzneski.com/compliance-webinars) [HR & Compliance](https://www.kuzneski.com/blog/tag/hr-compliance) # PACE Yourself [Stephanie Rosenberger](https://www.kuzneski.com/blog/author/stephanie-rosenberger) / October 12, 2015 [![Share on facebook](https://7528309.fs1.hubspotusercontent-na1.net/hub/7528309/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/facebook-color.png?width=24&name=facebook-color.png)](http://www.facebook.com/share.php?u=) [![Share on linkedin](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/linkedin-color.png?width=24&name=linkedin-color.png)](http://www.linkedin.com/shareArticle?mini=true&url=) [![Share on twitter](https://7528304.fs1.hubspotusercontent-na1.net/hub/7528304/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/twitter-color.png?width=24&name=twitter-color.png)](https://twitter.com/intent/tweet?original_referer=&url=&source=tweetbutton&text=) [![Share on pinterest](https://7528311.fs1.hubspotusercontent-na1.net/hub/7528311/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/pinterest-color.png?width=24&name=pinterest-color.png)](http://pinterest.com/pin/create/button/?url=&media=) On October 7, 2015, the President signed the Protecting Affordable Care for Employees (PACE) act into law. This act withdrawals the ACA’s expansion of small group health insurance policies from up to 50 employees to up to 100 employees. Previously the expansion was to take place effective Jan. 1, 2016 and it would have affected an increase in insurance premiums for nearly 3 million people. The purpose of PACE is to support the small to mid-sizes business by limiting premium increases. It also gives states the option to define their small group marketing size up to 100 employees. But just what is a small employer? Most states have defined small employer as any employer with less than 50 employees. There are three methods as to identifying under 50 employees which include average total number of employees (ATNE); full-time equivalents (FTEs) and eligible employees. With the new law passed, employers in the 51-100 group are not subject to small-group market rules. These rules include requirements to provide essential health benefits (as defined by the ACA) and the underwriting criteria which includes age, geography and smoking status in small groups. Employers with 51-100 employees in states that have defined group size will benefit from the PACE Act. Almost all of the states will retain the 50 employee limit. Group health plans for employers with 51-100 employees in states that have already passed laws defining “small group” for 2016 in accordance to the ACA threshold of 100 employees may still be considered “small group” because the state law overrides the federal law. States can elect to keep the federal standard of 50 employees as the definition of “small group” or legislate the small group market up to 100 employees. Self-funded insured group health plans are not impacted by this law. To understand how you, as an employer, will be impacted call your Kuzneski Financial Group advisor today! 724.349.1919. ### [Stephanie Rosenberger](https://www.kuzneski.com/blog/author/stephanie-rosenberger) Stephanie has been a Client Advisor at KIG for more than 7 years, specializing in employee benefits and HR solutions. She loves cats and dogs, Yuengling (see picture at left), and spending time outdoors with her husband and 3 kids. She also volunteers at the Indiana County Child & Youth Services as a foster care advocate. [Follow me on Facebook](https://www.facebook.com/stephanie.sherryrosenberger) [Follow me on LinkedIn](https://www.linkedin.com/in/stephaniesherryrosenberger/) ### Share Your Thoughts ## You may also like [HR & Compliance](https://www.kuzneski.com/blog/tag/hr-compliance), [Health Insurance](https://www.kuzneski.com/blog/tag/health-insurance) ## [Understanding Open Enrollment](https://www.kuzneski.com/blog/insurance/health-insurance/understanding-open-enrollment) [Stephanie Rosenberger](https://www.kuzneski.com/blog/author/stephanie-rosenberger) / October 30, 2015 [Read more](https://www.kuzneski.com/blog/insurance/health-insurance/understanding-open-enrollment) [HR & Compliance](https://www.kuzneski.com/blog/tag/hr-compliance) ## [Tips from a 3 year old](https://www.kuzneski.com/blog/employee/human-resources/tips-from-a-3-year-old) [Stephanie Rosenberger](https://www.kuzneski.com/blog/author/stephanie-rosenberger) / February 19, 2016 [Read more](https://www.kuzneski.com/blog/employee/human-resources/tips-from-a-3-year-old) ## Subscribe to our freshest ideas ## Headquarters 27 North Sixth Street Indiana, PA 15701 Phone: (724) 349-1919 [Contact Us](https://www.kuzneski.com/contact-us) ## Pittsburgh 6401 Penn Ave., 3rd Floor Pittsburgh, PA 15206 Phone: (724) 349-1919 [Contact Us](https://www.kuzneski.com/contact-us) ## Solutions - [Are We A Fit?](https://www.kuzneski.com/are-we-a-fit) - [Employee Benefits](https://www.kuzneski.com/services/employee-benefits) - [HR & Compliance](https://www.kuzneski.com/services/hr-compliance) - [Payroll & HRIS](https://www.kuzneski.com/services/payroll-hris) - [Business Insurance](https://www.kuzneski.com/services/business-insurance) ## About - [About Us](https://www.kuzneski.com/about-kuzneski-insurance-group) - [Careers](https://www.kuzneski.com/careers) ## Learn - [Blog](https://www.kuzneski.com/blog) - [COVID-19 Response](https://www.kuzneski.com/covid-19) - [COVID-19 Webinars](https://www.kuzneski.com/covid-19-webinars) ### Subscribe to our freshest ideas ## Follow [Follow us on Facebook](https://www.facebook.com/kuzneskigroup/) [Follow us on LinkedIn](https://www.linkedin.com/company/kuzneski-financial-group/) [Follow us on Twitter](https://twitter.com/KuzneskiGroup) [Follow us on Instagram](https://www.instagram.com/kuzneskiig/?hl=en) --- [![Kuzneski Logo](https://www.kuzneski.com/hs-fs/hubfs/Kuzneski%20Logo.%20White.png?width=250&height=143&name=Kuzneski%20Logo.%20White.png "Kuzneski Logo")](https://www.kuzneski.com/) Copyright © 2026 Kuzneski Insurance Group - [Legal Stuff](https://www.kuzneski.com/legal-stuff) - [Privacy Policy](https://www.kuzneski.com/privacy-policy-kuzneski)