With the U.S. Supreme Court’s blessing and the security of the 2012 election results, the Patient Protection and Affordable Care Act of 2010 (or ACA) is rolling out nationwide. And while many of the law’s major components—the mandate to buy insurance and the expansion of Medicaid, for example—take effect in 2014, others do not kick in for several years.1 That does not mean companies should be complacent about the law or their health-care costs—not by a long shot…