I'm not a lawyer; I'm an HR professional with a specialty in Benefits, and I can honestly tell you - I've been doing some form of employee benefits since 1979 and I am stumped on this one; particularly in view of the fact that a Federal judge has just ruled the ACA unconstitutional since the changes made to it by the current administration. I don't know yet how much those rules are going to hold water going forward. I really would prefer one of the lawyers to chime in on this one. pg1067, I'd be interested in your thoughts as well.

