Beginning in 2016, employers with 50 or more full-time equivalent employees (FTEs) must provide health insurance to those FTEs or face an Internal Revenue Service fine. The employer mandate, which was part of the 2010 Affordable Care Act, may also penalize employers who don’t offer “affordable” coverage. This penalty has had severe unintended consequences. It’s caused employers to delay hiring new full-time employees and cut back hours for current workers so they are counted as part-time, instead of full-time. By reducing the hourly standard from 40 hours to 30, the mandate also eroded the historical definition of a “full-time” workweek.