The Affordable Care Act will cost each Firehouse Subs franchise at least $4,000 per year, Firehouse CEO Don Fox said, but costs from the law could be as high as $12,000 if all full-time employees eligible at each franchise accept insurance coverage. The company does not plan to change its full-time employee structure, but the health care law will "fundamentally change" the way its workforce is managed, Fox said.

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