Hard to image that your client is the only one in this Affordable Care Act boat. Not knowing exactly how they use Sage 100 payroll, it is very difficult to even begin to comment on your question. Maybe it is, maybe it isn't. How much money do they have? Without a doubt, Abra is the more powerful solution. But be prepared to ask for a boatload of money for this solution PLUS a lot of patience form the end user. The only thing these products share in common is the name Sage (thank God for Pachal's push for branding)!