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w w w . i n s i g h t o n b u s i n e s s . c o m A p r i l 2 0 14 • I nsIgh t | 31 GREAT benefits service great smiles + Experience. The Delta Dental Difference. Delta Dental is Wisconsin's largest provider of dental benefits, and groups look to us as a key factor in their oral-health equation. Keeping it easy for you made it easy for us to become Wisconsin's No. 1 dental plan. Learn more at www.deltadentalwi.com. Experience. Dental benefits made easy. people to log in and sign up. now that the site is up and running fairly well from a technology point of view, consumers still have a lot of questions, hanson says. "ey ask a lot of questions that may not have clear answers, regarding income or dependents, depending on your situation," she says. "en there's the fact that some people don't realize that their rate is based on what they anticipate their income to be for the year. If it goes up, you may wind up paying the government back at the end of the year. Consumers also may not be aware that if they will receive a subsidy, it's coming out of their potential tax refund for next year. ere are variables." how insurance companies interpret the law also varies, hanson says. "at adds to the confusion. I have folders for each plan I work with since everyone is so different," she says. And the online exchange doesn't have every option available to consumers, McClone says. "We like to say we're the only real exchange in town – we can help show customers the online options, but we have the other options that aren't on the exchange. e exchange only has limited options, but does a great job of distributing subsidies to people who need them," he says. At a two-person office, hanson relies on business groups and other insurance agents to help her keep up with the changes. "ere's a group of us that meet informally and say, 'I've had experience with this' or 'have you seen this?' ere are so many variables," she says. "I also watch the news a lot more to see if another deadline has been moved back." McClone anticipates the ACA will be a lot like the Family Medical Leave Act (FMLA) and that it's difficult for businesses to fully understand all of its components. "ere's no doubt that compliance issues will come into play for businesses and that it's very difficult to be 100 percent compliant all the time," he says.