As the resident health care reform geek, I get questions from our clients every day regarding various articles they read or emails they received about the Affordable Care Act (ACA.) Most are very good questions (it’s a complex law), but all too often the question is coming from an email that was designed to scare them so the sender can sell them something. The one I find most absurd is the concept of Pay-or-Play. “You need to meet with us because we have a calculator that tells you if you need to Pay-or-Play!”