The Affordable Care Act (ACA) went into effect over a decade ago on January 1, 2014. While we would hope that it is second nature by now, we find that for many, the year-end deadline still sneaks up on us and causes undue stress. Confucius said “Success depends upon previous preparation, and without such preparation, there is sure to be failure,” so with a little bit of preparation now, one can be ahead of the game when we get to December. Here is what can be done ahead of time: It goes, without saying, that the first step is determining…