Some major parts of the Affordable Care Act for employers are delayed until 2015, but that doesn’t mean companies aren’t looking at the new law and making decisions now on how they will offer health benefits in the future. The health care reform was passed in 2010, but major provisions of the law are scheduled to take effect this year and next, with open enrollment for the health insurance exchanges scheduled to begin in about a week. People looking for coverage can use online health insurance marketplaces starting Oct. 1 to get insurance that will take effect Jan. 1.