Title 3 - shared responsibility (sections 301-324)

This area is a tough read as it lists the impositions on the employer. ugh.

full time employees:
- for an individual, the employer MUST pay 72.5% of the premium of the lowest cost plan offered by the employer.
- for a family, it's 65%

non-full time employees:
TBD

An employee must specifically opt-out of any employer-offered coverage otherwise they automatically get the lowest cost coverage. For employees that opt out, the employer must pay a fee to the HCA. It's not entirely clear to me what the % means, but it's either 8% of all employee wages, or 8% of the premium which would have been paid. There is a sliding scale for employers with payrolls up to 400K.

Section 321 amends Subtitle B of title I of the Employee Retirement Income Security Act of 1974. It doesn't appear to be anything too drastic, just updating definitions and such to reflect this new healthcare act. Section 323 does the same for Part C of title XXVII of the Public Health Service Act.