Why So Early?
The reason is that your small business employer may be able to save a lot of money with just a little bit of thought. The employer can offer to employees, and can set their contribution (which can be zero). That can allow some employees to “cherry pick,” and some other employees to get the APTC (Advance Premium Tax Credit). This is entirely possible with thought. That takes time, and conversation (with us, obv).
The difference here is in the $1000s a year, can be greater than $20000 a year, depending on the size of the employer. In short, worth the effort.