You're not wrong. But how could this apply to OP's situation? Given a 40 hour work week, three hours every other week is a mere 3.75%. For the sake of conversa

You're not wrong. But how could this apply to OP's situation? Given a 40 hour work week, three hours every other week is a mere 3.75%. For the sake of conversation, let's consider the cleaner to be an employee and OP to be the employer. Even then, unless OP has 50 full-time and full-time equivalent employees, there is no requirement for the employer to provide group health insurance, according to the ACA.